KR20140031455A - Loaned money redemption method, server performing the same and system performing the same - Google Patents

Abstract

A loan repayment method according to an embodiment of the present invention comprises the following steps of: accumulating points for each transaction in a client′s financial transaction history corresponding to financial benefits set for a loan product which the client uses; and making at least one payment among an intermediate payment and balance payment using the points. As a result, a client can be led to conduct a bank transaction and, at the same time, the number of loan clients can be increased by providing a client with points for each transaction in a client′s financial transaction history corresponding to financial benefits set for a load product which the client uses, and allowing the client to repaying part of the loan using the cumulative points. [Reference numerals] (210) Account management unit; (220) Point accumulation management unit; (230) Loan repayment situation control unit; (240) Card management unit; (250) Credit rating management unit

Description

Loan repayment method, server running it and system running it {LOANED MONEY REDEMPTION METHOD, SERVER PERFORMING THE SAME AND SYSTEM PERFORMING THE SAME}

Embodiments of the present invention relate to a loan repayment method, a server that executes it, and a system that executes it.

Financial institutions sell loan products that provide funds to users based on their credit or property. A financial institution that sells such loan products lends a certain amount of money to the user of the loan product and makes a profit by claiming interest to the user as a consideration for the loan. The interest rate, which is the ratio of the interest on the principal in these loans, is determined by the agreement between the financial institution and the user within the statutory standard, and the user pays the interest to the financial institution according to the fixed interest rate during the loan period.

On the other hand, as the apartment construction market has shrunk due to the contraction of the apartment lending market, financial institutions are selling intermediary lending products. The user pays the down payment, intermediate payment, and balance until the apartment is sold and occupied. In this process, the user can join the intermediate loan product and receive the intermediate payment by borrowing it.

One embodiment of the present invention is to credit each of the transaction details corresponding to the financial benefits set on the loan products subscribed to the user of the financial transaction history of the user by mileage, and to repay a portion of the loan by using the mileage to the bank transaction of the customer The present invention seeks to provide a loan repayment method, a server that executes the same, and a system that executes the same.

According to an embodiment of the present invention, by rewarding the mission success by mileage according to the success of the mission determined by the user, a loan repayment method that may attract other users as well as promotion of loan products sold by the bank, We want to provide a server and a system that runs it.

One embodiment of the present invention is to provide a loan payment repayment method that can expect the user's active bank transactions and credit cards by setting the financial transaction selected by the user as the financial benefits of the loan product, a server executing the same and a system for executing the same. do.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, the method for repaying the loan may include accumulating each of the transaction details corresponding to the financial benefits set for the loan product subscribed to by the user in the financial transaction history associated with the user as a mileage, and using the mileage, at least one of the intermediate payment and the balance. Repaying step.

In one embodiment, the step of accumulating each of the transaction details corresponding to the financial benefits set in the loan product subscribed to by the user with a different mileage according to each transaction amount of the financial transaction details corresponding to the predetermined financial benefits The method may further include accumulating.

In one embodiment, the step of accumulating each of the transaction details corresponding to the financial benefits set in the loan product subscribed to by the user as a mileage in the case of a transaction in which an interest amount occurs in the financial transaction details corresponding to the predetermined financial benefits, The method may further include accumulating an amount corresponding to a specific ratio of the interest amount as mileage.

In one embodiment, the step of accumulating each of the transaction details corresponding to the financial benefits set in the loan product subscribed to by the user as a mileage to earn the reward of the mission success as a mileage according to the success of the mission determined by the user It may further comprise a step.

In an embodiment, the step of accumulating the reward of the mission success as the mileage may further include determining the earned mileage corresponding to the mission determined by the user.

In an embodiment, the determining of the mileage credit corresponding to the mission determined by the user is the number of other users who recommended the user when the other user joins a specific loan product and recommends the user at the same time. The method may further include determining a mileage to be accumulated.

In an embodiment, the determining of the mileage credit corresponding to the mission determined by the user may further include determining the mileage according to the amount of the loan product subscribed to by the other user.

In one embodiment, the financial transaction details may include at least one of deposit details, withdrawal details, deposit payment details, deposit details, subscription payment details, insurance payment details, utility payment details, automatic transfer details and card usage history. .

In one embodiment, the loan product may be a product that can be subscribed through at least one service of Internet banking, mobile banking and smart banking.

In one embodiment, the financial benefits set on the loan product may be credited with the transaction when the transaction selected by the user of the financial transaction history occurs.

Among the embodiments, the loan repayment server is a mileage management unit for accumulating each of the transaction details corresponding to the financial benefits set for the loan product subscribed to the user in the financial transaction history associated with the user and at least of the balance and the balance using the mileage It includes a loan repayment control unit for repaying one.

In one embodiment, the mileage management unit may be credited with different mileage according to each transaction amount of the financial transaction history corresponding to the predetermined financial benefits.

In an embodiment, the mileage manager may accumulate an amount corresponding to a specific ratio of the interest amount as mileage in the case of a transaction in which an interest amount occurs among financial transaction details corresponding to the predetermined financial benefit.

In one embodiment, the mileage management unit may accumulate the reward of the mission success as mileage according to the success of the mission determined by the user.

In one embodiment, the mileage management unit may determine the earned mileage corresponding to the mission determined by the user.

In one embodiment, the mileage management unit may determine the mileage earned in accordance with the number of other users who recommended the user when the mission to recommend the user at the same time the other user subscribes to a particular loan product.

In one embodiment, the mileage management unit may determine the mileage earned according to the amount of the loan product subscribed to the other user.

In one embodiment, the financial transaction details may include at least one of deposit details, withdrawal details, deposit payment details, deposit details, subscription payment details, insurance payment details, utility payment details, automatic transfer details and card usage history. .

In one embodiment, the loan product may be a product that can be subscribed through at least one service of Internet banking, mobile banking and smart banking.

In one embodiment, the financial benefits set on the loan product may be credited with the transaction when the transaction selected by the user of the financial transaction history occurs.

Among the embodiments, the loan repayment system may be applied to the loan product in a user terminal requesting the subscription processing of the loan product through at least one service of internet banking, mobile banking, and smart banking, and the financial transaction history of the user terminal. And a loan repayment server for accumulating each mileage corresponding to the set financial benefits, and repaying at least one of the middle payment and the balance using the mileage.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, each of the transaction details corresponding to the financial benefits set on the loan product subscribed to by the user among the financial transaction details of the user to accumulate as a mileage, the customer's bank by redeeming a portion of the loan using the mileage At the same time, it can increase the number of loan customers.

According to an embodiment of the present invention, by rewarding the mission success in mileage according to the success of the mission determined by the user can attract other users as well as promotion of loan products sold in the bank.

According to one embodiment of the present invention, it is possible to expect an active bank transaction and credit card of the user by setting the transaction selected by the user as the financial benefit of the loan product.

1 is a network diagram illustrating a loan repayment system according to an embodiment of the present invention.
2 is a block diagram illustrating a loan repayment server according to an embodiment of the present invention.
3 is a block diagram illustrating a loan repayment server according to another embodiment of the present invention.
Figure 4 is a flow chart for explaining an embodiment of a loan repayment method according to the present invention.
5 is a flowchart illustrating another embodiment of a loan repayment method according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a network diagram illustrating a loan repayment system according to an embodiment of the present invention.

Referring to FIG. 1, the loan repayment system includes a user terminal 100, a loan repayment server 200, and a construction terminal 300.

The user terminal 100 is a terminal for subscribing to a loan product through at least one of internet banking, mobile banking, and smart banking. For example, the user terminal 100 may be a mobile terminal, a smartphone, a laptop, a personal digital assistant (PDA), or the like. Can be.

The user terminal 100 maintains access or communication with the loan repayment server 200. In one embodiment, the user terminal 100 may load at least a portion of a banking engine (eg, mobile banking, internet banking, and smart banking) for connecting to the loan repayment server 200. For example, at least some of the predetermined operations required to repay the loan may be performed in the user terminal 100 for quick processing. In such an embodiment, the user terminal 100 may provide the loan repayment server 200 with the result calculated by the banking engine itself.

The loan repayment server 200 may accumulate transaction details corresponding to the financial benefits set for the loan products subscribed to in the financial transaction details associated with the user terminal 100 as mileages, and repay a part of the loan amount using the mileages. have. For example, the loan repayment server 200 is a terminal in Woori Bank, Woori Capital, and only the users on the list of distributors to subscribe to the loan product.

The construction terminal 300 provides the list of pre-sellers to the loan repayment server 200 under a business agreement with the loan repayment server 200.

2 is a block diagram illustrating a loan repayment server according to an embodiment of the present invention.

Referring to FIG. 2, the loan repayment server 200 includes an account manager 210, a mileage manager 220, and a loan repayment controller 230, and according to an embodiment, the card manager 240 and the credit rating manager ( 250) may be further included.

The account manager 210 may manage an account for providing a loan repayment service.

In one embodiment, the account manager 210 may open an account at the request of the user terminal 100. The type of account may include at least one of free deposit and withdrawal, deposit, trust, loan and deposit. The account manager 210 may additionally receive additional information of the account from the user terminal 100 and apply it to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, it may include financial instrument attribute information associated with the account.

In one embodiment, the account management unit 210 may store the account opening history. The account opening history may include information about a user associated with the account. The information about the user may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, an initial transaction date and a final transaction date.

In one embodiment, the account management unit 210 may open a negative account in accordance with the user's credit rating. A negative account is an account that allows you to deduct a certain amount of money within a predetermined maximum amount according to your credit rating.

In one embodiment, the account manager 210 may open a mileage account when the processing of the subscription to the loan product is completed at the request of the user terminal 100. The mileage account is an account in which mileage corresponding to a transaction is accumulated according to a user's financial transaction. In one embodiment, the account manager 210 is a port in accordance with the financial benefits set in the loan product subscribed by the user terminal 100. You can link your account with your card. For example, when the financial benefit set in the loan product is credit card use, the account manager 210 may link the mileage account and the credit card. In one embodiment, the account management unit 210 connects the mileage account and the card (for example, a cash card, a check card, a debit card, and a credit card) in a one-to-one relationship so that the mileage due to the card usage is accumulated in the mileage account do. For example, when the card A is used, the account management unit 210 may connect 1% of the card payment amount to the account B for mileage. In another embodiment, the account management unit 210 connects the mileage account and the plurality of cards with 1: N so that the mileage according to the use of the plurality of cards is accumulated in the mileage account. For example, when the card A and the card B are used, the account management unit 210 may connect 1% of each card payment amount to be accumulated in the mileage account C.

In another embodiment, the account management unit 210 is different from the mileage account according to the financial benefits set on the loan product subscribed by the user terminal 100 (for example, free and withdrawal account, savings account, trust account and deposit) Accounts). For example, if the financial benefits set in the loan product is a payroll transfer, the account management unit 210 connects the mileage account and free withdrawal account so that the mileage due to payroll is accumulated in the mileage account.

The mileage management unit 220 can accumulate and manage each transaction detail of the user as mileage.

In one embodiment, the mileage management unit 220 may accumulate each of the transaction details corresponding to the financial benefits set on the loan product subscribed to by the user in the financial transaction history associated with the user as mileage. The financial benefits set for these loan products are to accumulate the relevant transactions as mileage when transactions occur. For example, if the financial benefits set on the loan product are credit card use, payroll transfer and deposit subscription, the mileage management unit 220 may accumulate the mileage corresponding to the transaction in the mileage account whenever the transaction occurs by the user. have.

In one embodiment, the mileage management unit 220 may be credited with different mileage according to each transaction amount of the financial transaction history corresponding to the financial benefits set on the loan product subscribed to the user in the financial transaction history associated with the user. For example, if the financial benefits set on the loan product is 1% mileage accumulation at the time of subscription, the mileage management unit 220 may accumulate mileage corresponding to 1% of the deposit payment in the mileage account.

In one embodiment, the mileage managing unit 220 may accumulate mileage corresponding to the transaction amount based on the accumulated mileage information by the predetermined transaction amount. The accumulated mileage information by the predetermined transaction amount is information about mileage that can be accumulated to the user according to the transaction amount. Using this information, the mileage management unit 220 can accumulate the mileage corresponding to the transaction amount in the mileage account. For example, if the transaction amount is less than one million won, the mileage management unit 220 may accumulate 0.5% of the transaction amount in the mileage account. If the transaction amount is between 1 million and 1,500,000 won, Can be credited to the mileage account. If the transaction value of the transaction by the user is 750,000 won, it is possible to accumulate the mileage of 3,500 won, which is 0.5% of 750,000 won, in the mileage account.

In another embodiment, the mileage management unit 220 is a mileage for an amount corresponding to a certain percentage of the interest amount in the case of a transaction in which an interest amount occurs in the financial transaction details corresponding to the financial benefits set for the loan product subscribed to by the user You can earn. Here, the interest amount generated from the transaction may correspond to at least one of the interest amount arising from the expiration of at least one of the deposit expiration date, the deposit expiration date, the insurance expiration date and the subscription expiration date, and the interest amount for the balance in the deposit account .

In one embodiment, the mileage managing unit 220 may accumulate mileage corresponding to the interest amount in the mileage account according to the size of the interest amount. In one embodiment, the mileage managing unit 220 may accumulate mileage corresponding to the interest amount in the mileage account when the interest amount is equal to or greater than a specific amount. For example, the mileage managing unit 220 may accumulate mileage corresponding to the interest amount in the mileage account when the interest amount is more than 10,000 won. In one embodiment, the mileage managing unit 220 may accumulate the mileage corresponding to the interest amount in the mileage account in a specific unit. For example, if the interest amount is 26,320, the mileage management unit 220 can not accumulate the entire amount as mileage, and can accumulate mileage corresponding to only 20,000 won divided into 10,000 units in the mileage account.

In another embodiment, the mileage managing unit 220 may accumulate a mileage amount corresponding to a specific rate of the interest amount. For example, the mileage management unit 220 may accumulate 5,000 miles corresponding to 15,000 won, which is 50% of the interest amount of 30,000 won, in the mileage account. This ratio can be determined by the user.

In another embodiment, the mileage management unit 220 may accumulate the compensation of mission success as mileage according to the success of the predetermined mission. In one embodiment, the mileage management unit 220 may accumulate the compensation of mission success as mileage according to the success of the mission determined according to the user's selection.

In one embodiment, the mileage managing unit 220 can determine mileage accrued according to the difficulty of the mission. For example, if the mission is to inform other users on the social network, the mileage management unit 220 may determine the accumulated mileage to 1000 points. As another example, if the mission is to notify bank users to 100 users on the social network, the mileage management unit 220 can determine the earned mileage to 10000 points. In one embodiment, if the other debtor is in a mission to recommend the debtor at the same time as joining a particular loan product, the mileage management unit 220 may determine the earned mileage according to the number of other debtor who nominated the debtor. In another embodiment, the mileage management unit 220 may determine the earned mileage according to the amount of the loan item to which the other debtor belongs.

In another embodiment, the mileage managing unit 220 can determine mileage accrual according to the execution period of the mission. For example, the mileage management unit 220 can determine the accumulated mileage to be 1000 points if the execution period of the mission is one month.

In one embodiment, the mileage management unit 220 may convert the mileage in the mileage account to another mileage for another purpose. For example, the mileage managing unit 220 converts the mileage in the mileage account to another mileage for another use, and allows the user to perform other transactions such as payment of the insurance premium, payment of deposit, delivery of cash, and withdrawal of cash.

Unlike this embodiment, the mileage management unit 220 may manage the financial benefits set on the loan product and the mileage accumulated when the transaction occurs. In one embodiment, the financial benefits set on the loan product may be selected by the user. For example, if a card worker is heavily used and paid, the user may determine that the financial benefits corresponding to the loan product are the card usage history and the salary now. In another embodiment, the financial benefit set for the loan product may be selected by the merchandise producer. For example, if there is a special deposit in Woori Bank, the producer of the product may decide to purchase the special financial deposit for the loan product.

The loan repayment control unit 230 may repay at least one loan among the down payment, the middle payment and the balance using the mileage in the mileage account.

In an embodiment, the loan repayment control unit 230 may provide a discount service for the loan service amount when a request for repayment of at least a part of the loan service amount before the preset repayment date is requested from the user terminal 100. In one embodiment, the loan repayment control unit 230 may provide a discount service at a discount rate determined according to the remaining time until the predetermined repayment date. For example, if the preset repayment period is 30 days but the loan service amount is repaid by the user terminal 100 on the 10th of July 2012, which is 10 days earlier, the loan repayment control unit 230 may be compared to the total repayment period. A discount service of 3%, which is a discount rate determined according to the remaining period until the set repayment date, may be provided.

Unlike such an embodiment, the loan repayment control unit 230 may charge interest on the corresponding amount if the loan service is not repaid before the preset repayment date from the user terminal 100. In one embodiment, the loan repayment control unit 230 may set the interest rate higher as the delinquent date increases. For example, the loan repayment control unit 230 may charge 0.1% of interest on the first day of delinquency and 0.2% of interest on the second day of delinquency.

The card manager 240 may issue a card connected to the mileage account at the request of the user terminal 100. Here, the card may be at least one of a cash card, a check card, a debit card, and a credit card. The card management unit 240 may issue the corresponding card according to the credit rating of the user. For example, the card management unit 240 may not issue a credit card if the credit rating of the user is low. For example, if the user's credit rating is high, the card management unit 240 can issue a credit card with a high payment limit.

The credit rating management unit 250 can manage the user's credit rating according to the user's financial transaction history. In one embodiment, the user's credit rating can be adjusted according to the user's credit card payment history. For example, if the user has paid the credit card payment date, the credit rating manager 250 may adjust the credit rating of the user. For example, if the user has delayed payment of the card due to the payment date of the credit card payment date, the credit rating manager 250 may downgrade the user's credit rating according to at least one of the past due amount, the overdue number, Can be adjusted.

3 is a block diagram illustrating a loan repayment server according to another embodiment of the present invention. The configuration or operation of another embodiment of the loan repayment server disclosed in FIG. 3 will be omitted with the same or equivalent description as described above with reference to FIG. 2, but those skilled in the art will fully understand the other embodiment of FIG. I can understand.

The loan repayment server 200 disclosed in FIG. 3 may further include a financial transaction history DB 260 and a loan product recommendation unit 270.

When the financial transaction is completed by the user, the financial transaction history DB 260 may store history information about the corresponding transaction. Here, the financial transaction may include at least one of credit card use, deposit, deposit, insurance, withdrawal, and direct debit

In one embodiment, the financial transaction history DB 260 may store financial transaction history information for each user. For example, when the user A subscribes to the special savings A at the bank, the financial transaction history DB 260 can store the financial transaction history information of the user A. In this embodiment, the credit rating management unit 250 can manage the credit rating of the user using the financial transaction history information in the financial transaction history DB 260. For example, the credit rating manager 250 may change the user's rating in our bank to VIP if the user rating on our card is VIP.

The loan product recommendation unit 270 may recommend a loan product according to the financial transaction history information in the financial transaction history DB 260. For example, if the user pays two deposits and one deposit at our bank and uses our credit card, the loan product recommendation unit 270 may accumulate mileage according to the deposit payment, the deposit payment, and the use of the credit card. The state can recommend loan products.

Hereinafter, the loan repayment method will be described with reference to FIGS. 4 to 5. Since the loan repayment method to be described later is performed in the loan repayment server 200 described above, the contents corresponding to each other are not overlapped, but those skilled in the art can understand an embodiment of the loan repayment method according to the present invention from the above description. There will be.

Figure 4 is a flow chart for explaining an embodiment of a loan repayment method according to the present invention. The embodiment disclosed in FIG. 4 relates to an embodiment in which transaction details corresponding to financial benefits set in a loan product subscribed to by a user may be accumulated as mileages and repayment of loans using mileages.

Referring to FIG. 4, the loan repayment server 200 accumulates the transaction details corresponding to the financial benefits set for the loan product subscribed to by the user from the financial transaction details associated with the user as mileage (step S410). The loan repayment server 200 repays at least one of a down payment, a middle payment, and a balance using mileage (step S420).

5 is a flowchart illustrating another embodiment of a loan repayment method according to the present invention. An embodiment disclosed in FIG. 5 relates to an embodiment in which mileage accumulated in accordance with a user's financial transaction can be converted into mileage for other purposes, and mileage can be used for other financial transactions.

Referring to FIG. 5, the loan repayment server 200 accumulates each of the transaction details corresponding to the financial benefits set for the loan product subscribed to by the user in the financial transaction details associated with the user (step S510). When the loan repayment server 200 receives a mileage conversion request by the user (step S520), the loan repayment server 200 converts the mileage to another purpose mileage (step S530).

In an embodiment of step S530, the loan repayment server 200 may convert the mileage for repayment of the loan to at least one of the mileage for insurance payment, the mileage for deposit deposit, the mileage for saving deposit, the mileage for cash withdrawal. .

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: user terminal
200: loan repayment server
300: Contractor terminal
210:
220: mileage management section
230: loan repayment control unit
240: Card management section
250: credit rating manager
260: Financial transaction history DB
270: Loan product recommendation section

Claims (21)

In the loan repayment method executed in the loan repayment server,
Accumulating each of the transaction details corresponding to the financial benefits set for the loan product subscribed to by the user from the financial transaction details associated with the user as mileage; And
Loan repayment method comprising the step of repaying at least one of the middle payment and the balance using the mileage.
The method of claim 1, wherein each of the transaction details corresponding to the financial benefits set in the loan product subscribed to by the user is accumulated as mileages.
Loan repayment method further comprising the step of earning with different mileage according to each transaction amount of the financial transaction history corresponding to the predetermined financial benefits.
The method of claim 1, wherein each of the transaction details corresponding to the financial benefits set in the loan product subscribed to by the user is accumulated as mileages.
In the case of a transaction in which an interest amount occurs among the financial transaction details corresponding to the predetermined financial benefit, the loan payment method further comprising the step of accumulating an amount corresponding to a specific ratio of the interest amount as mileage.
The method of claim 1, wherein each of the transaction details corresponding to the financial benefits set in the loan product subscribed to by the user is accumulated as mileages.
Loan repayment method further comprises the step of earning the reward of the mission success in accordance with the success or failure of the mission determined by the user.
The method of claim 4, wherein the rewarding of the mission success is earned as mileage.
Loan repayment method characterized in that it further comprises the step of determining the earned mileage corresponding to the mission determined by the user.
The method of claim 5, wherein the determining of the accumulated mileage corresponding to the mission determined by the user
If the other user joins a particular loan product and at the same time the mission to recommend the user, the loan repayment method characterized in that it further comprises the step of determining the mileage earned according to the number of other users who recommended the user.
The method of claim 6, wherein the determining of the accumulated mileage corresponding to the mission determined by the user
Loan repayment method characterized in that it further comprises the step of determining the earned mileage according to the amount of the loan product subscribed by the other user.
The method of claim 1, wherein the financial transaction history
Loan repayment method characterized in that it comprises at least one of payment history, withdrawal history, savings payment history, deposit history, subscription payment history, insurance payment history, utility bill payment history, direct debit details and card use history.
The method of claim 1, wherein the loan product
Loan repayment method, characterized in that the product can be subscribed through at least one of the services of the Internet banking, mobile banking and smart banking.
According to claim 1, wherein the financial benefits set on the loan product
Loan repayment method characterized in that the credit is accumulated as a transaction when a transaction selected by the user occurs in the financial transaction history.
A mileage management unit for accumulating each of the transaction details corresponding to the financial benefits set for the loan product subscribed to by the user in the financial transaction details associated with the user as mileage; And
The loan repayment server including a loan repayment control unit for repaying at least one of the middle payment and the balance using the mileage.
The method of claim 11, wherein the mileage management unit
Loan repayment server, characterized in that the earned with different mileage according to the transaction amount of each of the financial transaction history corresponding to the predetermined financial benefits.
The method of claim 11, wherein the mileage management unit
In the case of a transaction in which an interest amount occurs among the financial transaction details corresponding to the predetermined financial benefit, the loan repayment server, characterized in that an amount corresponding to a specific ratio of the interest amount is accumulated as mileage.
The method of claim 11, wherein the mileage management unit
Loan repayment server, characterized in that for earning the reward of the mission success in accordance with the success or failure of the mission determined by the user.
The mileage management unit of claim 14, wherein
Loan repayment server, characterized in that for determining the earned mileage corresponding to the mission determined by the user.
16. The system of claim 15, wherein the mileage management unit
The loan repayment server, characterized in that for determining the mileage earned according to the number of other users who recommended the user when the other user joins a particular loan product and recommend the user at the same time.
The system of claim 16, wherein the mileage management unit
Loan repayment server, characterized in that for determining the mileage earned in accordance with the amount of the loan product subscribed by the other user.
The method of claim 11, wherein the financial transaction history
Loan repayment server, characterized in that it comprises at least one of the payment history, withdrawal history, savings payment history, deposit details, subscription payment history, insurance payment history, utility bill payment history, automatic transfer history and card usage history.
The method of claim 11, wherein the loan product
Loan repayment server, characterized in that the product that can be subscribed through at least one of the services of the Internet banking, mobile banking and smart banking.
12. The financial benefit set forth in claim 11 wherein
Loan repayment server, characterized in that to earn the transaction as a mileage when a transaction selected by the user of the financial transaction history occurs.
A user terminal requesting subscription processing of a loan product through at least one service of internet banking, mobile banking, and smart banking; And
And a loan repayment server for accumulating each of the transaction details corresponding to the financial benefits set in the loan product from the financial transaction details traded by the user terminal, and repaying at least one of the middle payment and the balance using the mileage. A loan repayment system characterized by the above.

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