KR20140134492A - Method of loaning and repaying loaned money, server performing the same and system performing the same - Google Patents

Abstract

According to an embodiment of the present invention, a method for loaning or redeeming a loan includes the steps of: providing a loan service for at least one of a down payment, a middle payment, and a balance which are supported by a certain real estate related loan product if a subscription request to the certain real estate related loan product is received through a financial application of a mobile terminal; receiving a redeeming request for at least one of the down payment, the middle payment, and the balance through the financial application of the mobile terminal; and redeeming at least one of the down payment, the middle payment, and the balance using a mileage of a user associated with the mobile terminal, wherein the mileage is generated according to financial transactions by the user.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method and apparatus for providing a loan and a method for repayment of a loan using a mobile terminal,

Embodiments of the present invention relate to a method of making a loan using a mobile terminal and a method for repayment of a loan, a server for executing the method and a system for executing the same.

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.

In an exemplary embodiment of the present invention, each of transaction details corresponding to a predetermined financial benefit is accumulated in a credit item of a user's financial transaction and a portion of the loan is redeemed using mileage, And a system for executing the same and a server for executing the same, and to provide a system for executing the same.

In an embodiment of the present invention, the compensation of mission success is accumulated as mileage according to the success or failure of the mission determined by the user, thereby not only promoting the loan product sold in the bank, but also lending and lending using the mobile terminal capable of attracting other users A server for executing the method, and a system for executing the method.

One embodiment of the present invention provides a method for repayment of a loan and a loan using a mobile terminal capable of expecting a user's active bank transaction and a credit card by setting a financial transaction selected by a user as a financial benefit of a loan product, And to provide a system to run.

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, when the loan and the loan repayment method receives a request for joining a specific real estate related loan product through the financial application of the mobile terminal, the loan and the loan repayment method may include at least one of a down payment, Receiving a redemption request for at least one of the down payment, the intermediate payment and the balance through the financial application of the mobile terminal, and using the mileage of the user associated with the mobile terminal, And redeeming at least one of an amount of money, an earning amount, and an amount of balance, and the mileage is generated according to a financial transaction by the user.

Among the embodiments, the loan and loan repayment server may include a mileage management unit for accumulating each of the financial transactions by the user of the mobile terminal as mileage, and, when receiving a request for joining a specific real estate related loan product through the financial application of the mobile terminal, Providing a loan service for at least one amount of a down payment, an intermediate payment, and a balance, which is supported by a specific real estate related loan product, and receiving a redemption request for at least one of the down payment, intermediate payment and balance through the financial application of the mobile terminal And a loan and a loan repayment controller for reimbursing at least one of the down payment, the intermediate payment and the balance using the mileage of the user associated with the mobile terminal upon receipt.

Among the embodiments, the lending and loan repayment system requests the subscription processing of the real estate related loan product through the financial application, and transmits at least one loan amount of the down payment, middle payment, and balance for the real estate related loan product through the financial application And a financial transaction by a user of the mobile terminal, the method comprising the steps of: accumulating, as a mileage, each of a mobile terminal requesting redeeming and a user of the mobile terminal, and transmitting at least one of a down payment, And a loan and a loan repayment server that repay the loan amount.

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 transaction detail corresponding to a predetermined financial benefit is accumulated as a mileage in a user's financial transaction details and a portion of the loan is redeemed using mileage It is possible to increase the number of loan customers at the same time as inducing the customer's bank transaction.

According to an embodiment of the present invention, the user can earn not only promotion of real estate-related loan products sold at a bank but also other users by accumulating the compensation of mission success as mileage according to the success or failure of the mission determined by the user.

According to an embodiment of the present invention, a transaction selected by a user can be set as a financial benefit of a real estate-related loan product, so that a user can expect an active bank transaction and a credit card.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a network diagram illustrating a loan and a loan payment system according to an embodiment of the present invention; FIG.
2 is a block diagram illustrating a loan and a loan payment server according to an embodiment of the present invention.
3 is a block diagram illustrating a loan and a loan payment server according to another embodiment of the present invention.
4 is a flowchart for explaining an embodiment of a method of repayment of a loan and a loan according to the present invention.
5 is a flowchart for explaining another embodiment of the loan and the 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.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a network diagram illustrating a loan and a loan payment system according to an embodiment of the present invention; FIG.

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

The mobile terminal 100 is a terminal for subscribing to a real estate related loan product through at least one of Internet banking, mobile banking, and smart banking. The mobile terminal 100 may be a mobile terminal, a smart phone, a notebook computer, a PDA .

The mobile terminal 100 maintains a connection or communication with the loan and loan repayment server 200.

In one embodiment, the mobile terminal 100 may include at least a portion of a financial application for connecting to the loan and loan redemption server 200. [ For example, at least some of the predetermined operations required to repay the loan may be performed at the mobile terminal 100 for quick processing. In this embodiment, the mobile terminal 100 can provide the loan and the loan payment reimbursement server 200 with the result calculated in the financial application provided by the mobile terminal 100 itself.

The loan and loan reimbursement server 200 accumulates each transaction detail corresponding to the predetermined financial benefit in the registered real estate related loan product in the financial transaction details associated with the mobile terminal 100 as mileage, You can repay the amount. For example, the loan and loan repayment server 200 is a terminal in Woori Bank and Woori Capital, and is allowed to subscribe to real estate related loan products only for users on the list of sellers.

The contractor terminal 300 provides a loan list and loan money reimbursing server 200 with a list of distributors under a business agreement with the loan and loan repayment server 200.

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

Referring to FIG. 2, the loan and loan repayment server 200 includes an account management unit 210, a mileage management unit 220, and a loan and loan repayment control unit 230. The card management unit 240, And may further include a credit rating management unit 250.

The account management unit 210 may manage the account for providing the loan and the loan repayment service.

In one embodiment, the account management unit 210 may open an account at the request of the mobile terminal 100. The type of account may include at least one of free deposit and withdrawal, deposit, trust, loan and deposit. The account management unit 210 may additionally receive the additional information of the account from the mobile 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 management unit 210 may open a mileage account upon completion of the subscription to the real estate-related loan product at the request of the mobile terminal 100. [ Here, the real estate-related loan product may be any one of a down payment loan product, a mid-price loan product, and a residual loan product, and 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 management unit 210 may connect the card and the account to the port according to a predetermined financial benefit for the real estate related loan product subscribed by the mobile terminal 100. For example, if the financial benefits set in the real estate related loan product are credit card usage, the account management unit 210 can 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 may manage the mileage account and other accounts (for example, a free deposit account, a savings account, a trust account Account and deposit account). For example, if the predetermined financial benefit is a salary transfer, the account management unit 210 connects the mileage account and the free deposit / withdrawal account so that the mileage due to the salary transfer 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 managing unit 220 may accumulate, for each mileage, each transaction detail corresponding to a predetermined financial benefit in the real estate related loan product to which the user subscribes in the financial transaction history associated with the user. The pre-established financial benefits for these real estate-related lending products are to credit the transaction with mileage when the transaction occurs. For example, in a case where the predetermined financial benefit for the real estate related loan product is credit card usage, payroll transfer, and deposit registration, the mileage management unit 220 transmits mileage corresponding to the transaction to the mileage account Can be accumulated.

In one embodiment, the mileage managing unit 220 may accumulate different mileage according to transaction amount of each financial transaction corresponding to a predetermined financial benefit in the real estate related loan product to which the user subscribes in the financial transaction history associated with the user have. For example, if the predetermined financial benefit for a real estate related loan product is 1% mileage accumulated at the time of deposit, the mileage management unit 220 may accumulate mileage corresponding to 1% of the deposit amount 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 may calculate the amount of interest corresponding to a specific ratio of the interest amount in the case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the predetermined financial benefit in the real estate- Can be accumulated as mileage. 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 informs another user on the social network of a real estate related loan product, the mileage managing unit 220 can determine the accumulated mileage to be 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 managing unit 220 can manage the financial benefits set in the real estate related loan product and the mileage accumulated at the occurrence of the transaction in correspondence with each other. In one embodiment, the predetermined financial benefits for the real estate related loan product can be selected by the user. For example, if you are a company employee with a lot of cards and a paycheck, you can now decide on the card usage details and benefits for the financial benefits that correspond to real estate related loan products. In another embodiment, a predetermined financial benefit for a real estate related loan product may be selected by the goods 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 real estate related loan product.

The loan and loan repayment control unit 230 can redeem at least one loan of the down payment, intermediate payment, and balance corresponding to the real estate related loan product using the mileage in the mileage account.

In one embodiment, the loan and loan repayment controller 230 may provide a discount service for the loaned amount of money if the repayment of at least some of the money serviced by the mobile terminal 100 before the predetermined repayment date is requested have. In one embodiment, the loan and loan repayment control unit 230 may provide the discounted service at a discount rate determined according to the remaining period up to the predetermined repayment date. For example, if the predetermined repayment period is 30 days but the loaned service amount is repaid on July 10, 2012, which is a date 10 days earlier by the mobile terminal 100, the loan and loan repayment control unit 230 checks the total repayment period A discount rate of 3%, which is determined according to the remaining period up to the set redemption date, can be provided.

Unlike this embodiment, the loan and loan repayment controller 230 can charge interest on the amount of money if the amount of the loan serviced before the predetermined repayment date is not received from the mobile terminal 100. In one embodiment, the loan and loan repayment controller 230 can set the interest rate higher as the delinquency date increases. For example, the loan and loan repayment controller 230 may impose a 0.1% interest on the first day of delinquency and a 0.2% interest on the second day of delinquency.

The card management unit 240 may issue a card connected to the mileage account at the request of the mobile 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 and a loan payment server according to another embodiment of the present invention. 3, the same or corresponding contents as those described above with reference to FIG. 2 will be omitted and the person skilled in the art will be able to understand the structure and operation of another embodiment of the loan and loan repayment server disclosed in FIG. Will be fully understood.

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

The financial transaction history DB 260 can store the history information of the transaction when the financial transaction is completed by the user. Here, the financial transaction may include at least one of credit card usage, deposit registration, deposit registration, insurance registration, deposit and withdrawal, and automatic transfer .

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 the real estate related loan product according to the financial transaction history information in the financial transaction history DB 260. [ For example, if a user uses two credit cards and one deposit in our bank and uses our credit card, the credit product recommendation unit 270 accumulates mileage according to deposit payment, payment payment, and credit card usage The state may recommend a property loan.

Hereinafter, a method of repayment of a loan and a loan will be described with reference to FIGS. 4 to 5. FIG. Since a loan and a loan repayment method to be described later are performed in the above-mentioned loan and loan repayment server 200, corresponding contents will not be described in duplicate, but a person skilled in the art will understand from the above description that the loan and the loan repayment method One embodiment may be understood.

4 is a flowchart for explaining an embodiment of a method of repayment of a loan and a loan according to the present invention. The embodiment disclosed in FIG. 4 relates to an embodiment in which each transaction detail corresponding to a predetermined financial benefit in a loan product to which a user subscribes is accumulated as mileage, and the loan and the loan can be repaid using mileage.

Referring to FIG. 4, the loan and loan repayment server 200 accumulates each transaction detail corresponding to a predetermined financial benefit in a real estate-related loan product to which the user subscribes in the financial transaction details associated with the user as mileage (step S410) . The loan and loan reimbursement server 200 reimburses at least one of the down payment, the intermediate payment, and the balance corresponding to the real estate related loan product using the mileage (step S420).

5 is a flowchart for explaining another embodiment of the method of repayment of a loan and a loan 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 and loan repayment server 200 accumulates each transaction detail corresponding to a predetermined financial benefit in the real estate-related loan product to which the user subscribes in the financial transaction history associated with the user as mileage (step S510) . The loan and loan reimbursement server 200 converts the mileage to another type of mileage when the user requests the mileage conversion (step S520) (step S530).

In one embodiment of the step S530, the loan and loan redemption server 200 converts the mileage for redemption into at least one of mileage for paying insurance money, mileage for depositing money, mileage for paying for collection, and mileage for withdrawing cash .

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

Claims (23)

A method for making a loan and a loan using a mobile terminal connected to a mobile terminal and executed by a redeeming server,
Providing a loan service for at least one of a down payment, an intermediate payment and a balance, which is supported by the specific real estate related loan product, upon receiving a request to join the specific real estate related loan product through the financial application of the mobile terminal;
Receiving a redemption request for at least one of the down payment, the intermediate payment and the balance through the financial application of the mobile terminal; And
And reimbursing at least one of the down payment, the intermediate payment and the balance using the mileage of the user associated with the mobile terminal,
Wherein the mileage is generated according to a financial transaction by the user.
The method according to claim 1, wherein the mileage
Wherein the credit information is generated by accumulating, as a point, transaction details corresponding to a predetermined financial benefit in the specific real estate related loan product among the financial transaction details related to the user.
The method according to claim 1, wherein the mileage
And the credit amount is accumulated at different points according to transaction amounts of respective financial transaction details corresponding to the predetermined financial benefits.
The method according to claim 1, wherein the mileage
And a credit amount corresponding to a specific ratio of the interest amount is accumulated as a point in the case of a transaction in which the interest amount of the financial transaction details corresponding to the predetermined financial benefit is generated. Way.
The method according to claim 1, wherein the mileage
Wherein the mobile terminal is generated by accumulating the compensation of the mission success as a point in accordance with the success or failure of the mission determined by the user.
6. The method of claim 5,
Further comprising the step of determining an earning point corresponding to the mission determined by the user.
7. The method of claim 6, wherein determining the earning point corresponding to the mission determined by the user comprises:
Further comprising the step of determining an accumulation point according to the number of other users recommending the user when the other user is a mission to recommend the user at the same time as joining a specific loan product, And the method of repayment of the loan.
8. The method of claim 7, wherein determining the earning point corresponding to the mission determined by the user comprises:
Further comprising the step of determining an accumulation point according to the amount of the loan product to which the other user subscribes.
3. The method according to claim 2,
Wherein the payment information includes at least one of payment details, withdrawal details, withdrawal details, deposit details, deposit details, subscription payment details, insurance payment details, utility bill payment details, automatic transfer details and card usage details. Way.
The method of claim 1, wherein the real estate related loan product
Mobile banking, and smart banking. 2. The method of claim 1, wherein the at least one service is a subscription through at least one of mobile banking and smart banking.
3. The method of claim 2, wherein the mileage
And when the transaction selected by the user occurs in the financial transaction history, the transaction history is generated by accumulating each transaction history as a point.
1. A loan and a loan repayment server connected to a mobile terminal,
A mileage management unit for accumulating each financial transaction by the user of the mobile terminal with mileage; And
Related loan product through the financial application of the mobile terminal, providing a loan service for at least one of a down payment, an intermediate payment and a balance, which is supported by the specific real estate related loan product, And the remaining amount of money by using the mileage of the user associated with the mobile terminal when the mobile terminal receives the redemption request for at least one of the down payment, And a reimbursement control section.
13. The system of claim 12, wherein the mileage management unit
And accumulates, as mileage, each of financial transaction details corresponding to a predetermined financial benefit in the specific real estate related loan product among the financial transaction details related to the user.
13. The system of claim 12, wherein the mileage management unit
And accumulates the different kinds of mileage according to transaction amounts of respective financial transaction details corresponding to the predetermined financial benefits.
13. The system of claim 12, wherein the mileage management unit
And the amount corresponding to a specific rate of the interest amount is accumulated as mileage in the case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the predetermined financial benefit.
13. The system of claim 12, wherein the mileage management unit
And a credit of the mission success is accumulated as mileage according to the success or failure of the mission determined by the user.
16. The system of claim 15, wherein the mileage management unit
And determines an accumulated mileage corresponding to the mission determined by the user.
The system of claim 16, wherein the mileage management unit
Wherein the mileage is determined according to the number of other users who recommend the user when the user is a mission to recommend the user at the same time that another user joins the specific loan product.
18. The system of claim 17, wherein the mileage management unit
And determines the accumulated mileage according to the amount of the loan product to which the other user subscribes.
14. The method of claim 13,
Wherein the payment history includes at least one of a deposit history, a withdrawal history, a payment history, a deposit history, a subscription payment history, an insurance payment history, a utility bill payment history, a direct debit history, and a credit card usage history.
13. The method of claim 12, wherein the property-
Mobile banking, and smart banking. ≪ RTI ID = 0.0 > 11. < / RTI >
14. The system of claim 13, wherein the mileage management unit
And when the transaction selected by the user occurs among the financial transaction details, each of the transaction details is accumulated as mileage.
Requesting a subscription processing of a real estate related loan product through a financial application, and requesting to repay at least one loan amount of a down payment, an intermediate payment and a balance for the real estate related loan product through the financial application; And
A credit and a loan that repay at least one loan amount corresponding to the real estate related loan product using the mileage in accordance with a request for repayment of the loan, A loan and a loan redemption system that includes a redemption server.

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