KR20170013444A

KR20170013444A - Method and server of online loan based on social network system

Info

Publication number: KR20170013444A
Application number: KR1020150105757A
Authority: KR
Inventors: 윤진혁; 전찬우; 박영성
Original assignee: 주식회사 에스티에이엠
Priority date: 2015-07-27
Filing date: 2015-07-27
Publication date: 2017-02-07

Abstract

The present invention provides a technique which provides an online loan service which can completely replace a conventional financial service so as to allow various users to use the same by linking a social network service thereto. According to an embodiment of the present invention, a method for an online loan based on a social network service comprise the steps of allowing a social network service-based online loan server to: receive a loan request from a user using a social network service linked to a financial company; use a finance-related usage history and a social network service usage history of the user received from the financial company and a social network service company to calculate a credit value of the user; determine whether to approve the loan request of the user based on the calculated credit value; and loan an amount corresponding to the loan request to a financial account of the user if approval for the loan request of the user is determined.

Description

METHOD AND SERVER OF ONLINE LOAN BASED ON SOCIAL NETWORK SYSTEM

The present invention relates to a lending system for lending a certain amount of money to a user from a financial institution through on-line, and more particularly, to a technology for providing a lending service to a user on-line in accordance with the use of a social network service for a user of the social network service .

Recently, the usage rate of payment services using smartphone terminals and social network services such as Kakao Pay has been increasing. The convenience of payment, portability, and the like, have enabled the use of financial related services using only smart phone terminals. Accordingly, various smartphone payment systems have been used increasingly, and related services are being actively developed.

In the general conventional technology of such an online banking service, basically, only a user having an account with the service bank can use the service. In addition, in order to use the service by the user, the user can use the service fee by charging the service fee. In addition, the rechargeable amount is very small. In order to use the financial service linked to the social network service, the user must charge the desired amount each time, and when the amount is large, And it is inconvenient to use financial services.

Accordingly, it is very difficult to replace the existing financial service with the social network service interlinked service because the scope of utilizing the financial service linked to the general social network service at present is limited. Therefore, in addition to the individual, It has been pointed out that it is practically impossible to use the corresponding service in the business.

Accordingly, it is an object of the present invention to provide an online loan service which can completely replace an existing financial service, and to provide a technology that various users can use in conjunction with a social network service.

In order to achieve the above object, an online lending method based on a social network service according to an embodiment of the present invention is a method in which an online lending server based on a social network service is provided with a loan request from a user using a social network service Receiving; Calculating a credit value of the user using the finance related usage history and the social network service usage details of the user received from the financial company and the social network service company; Determining whether to approve the user's loan request based on the calculated credit value; And lending an amount corresponding to the loan request to the financial account of the user when the approval of the user's loan request is determined.

According to the present invention, the credit information of the user is reasonably calculated on the basis of the usage of the social network service and the details of the use of the financial service, and the loan service is provided to the user on the basis thereof.

Accordingly, it is possible to provide a loan service with a very wide utilization range in terms of financial services to users, compared to the existing online settlement service, and it is possible to replace the existing financial service with an online service. Also, since the user can conveniently use the loan limit, the cycle, and the unit of money based on the determination of the loan limit, the loan service can be used based on the limit, and various users can use various amounts based on the social network service, There is an effect.

1 to 3 are flowcharts of an online lending method based on a social network service according to an embodiment of the present invention.
4 is a block diagram of an online lending server based on a social network service according to an embodiment of the present invention.
5 illustrates a distribution structure of information and revenue exchanged according to an implementation of an embodiment of the present invention;
6 is an example of setting reputation information and a first credit rating according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a method and a server for online lending on the basis of a social network service according to an embodiment of the present invention will be described with reference to the accompanying drawings.

The following examples are intended to illustrate the present invention and should not be construed as limiting the scope of the present invention. Accordingly, an equivalent invention performing the same function as the present invention is also within the scope of the present invention.

In addition, in adding reference numerals to the constituent elements of the drawings, it is to be noted that the same constituent elements are denoted by the same reference numerals even though they are shown in different drawings. 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.

In describing the components of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected to or connected to the other component, It should be understood that an element may be "connected," "coupled," or "connected."

In the embodiments of the present invention, " communication ", " communication network ", and " network " The three terms refer to wired and wireless local area and wide area data transmission and reception networks capable of transmitting and receiving a file between a user terminal, a terminal of another user, and a download server.

The term " server " in the following description refers to a server computer to which users are connected and connected to use a custom shoe manufacturing service provision system implemented according to an embodiment of the present invention. If the capacity is small or the number of users is small, a large number of programs can be operated on one server. Also, if the capacity is very large or the number of real-time connections is large, there may be one or more servers for operation depending on the function.

Middleware for the database and servers performing settlement processing may be connected to the server, but a description thereof will be omitted in the present invention.

1 to 3 are flowcharts of an online lending method based on a social network service according to an embodiment of the present invention. In the following description, an online lending method based on a social network service according to an embodiment of the present invention can be performed by a configuration of an online lending server based on a social network service, which will be described with reference to FIG. 4, will be. 1 to 3 will be described as being performed by an online loan server based on a social network service (hereinafter referred to as a server) as a representative example of the online loan method based on the social network service.

Referring to FIG. 1, in an online lending method based on a social network service according to an embodiment of the present invention, a server firstly receives a loan request from a user (for example, a terminal such as a user's smart phone) S10). Specifically, the user is preferably a user who uses a social network service linked to a financial company.

The step S10 of receiving a loan request includes receiving directly a server from a user terminal, receiving a loan request of a user inputted through a use interface of a social network service from a social network service server, Step.

The input regarding the loan request is input by the financial institution such as the input regarding the loan type divided into the immediate loan or the reserved loan, the input about the loan amount, the input about the loan limit inquiry request at the time of the reservation loan, It will be understood to include input to all matters that a user may request when making a loan.

When the step S10 is performed, the server performs step S20 of calculating the credit value of the user by using the finance-related usage history and the social network service usage history of the user received from the financial company and the social network service company.

In the present invention, the credit value refers to the information about the credit rating of an individual, which is generally managed by a company such as a credit information agency. The concept of a numerical value is used. However, the concept includes not only an arithmetic value but also a step- Will be.

In order to perform step S20, the server receives the financial-related usage history information and the social network service usage history information of the user from the server terminal of the financial company and the server terminal of the social network service company, respectively, The credit value of the user is calculated. A specific example of this is shown in Figs. 2 and 3. Fig.

Referring first to FIG. 2, the server firstly receives a basic credit information of a user calculated by a credit information company from a credit information company according to a user's social network service utilization status information (S21).

For performing step S21, the credit information company can basically manage information related to the determination of the credit rating of the user received from the external financial server or financial service history of the user or the details of the social network service contents. Generally, credit information of a user that can be viewed through a credit information company may be included in the basic credit information received in step S21.

When the step S21 is performed, the server performs step S22 of calculating the financial behavior information according to the reputation information according to the usage history of the user's social network service and the financial related usage history of the user, The reputation information and the financial behavior information are applied to one basic credit information, and the credit value of the user is finally calculated (S23).

A specific embodiment of steps S22 and S23 is shown in FIG.

Referring to FIG. 3, the server firstly acquires, from the social network service server, the user's personal information, the number of other users set as a friend relationship on the social network service, and the usage policy of the social network service company, The reputation score is calculated, and the reputation information of the user is calculated based on the reputation score (S24).

Generally, for users with low social reputation, the total amount of users set as friends in social network services tends to be low considering the same requirements and duration of social network service usage. The same requirements are requirements set based on the user's personal information, for example, the requirements of the occupation of the user such as the worker, the housewife, the student, the age of the user, etc. can be used.

Based on this, the server compares the number of other users set as a friend relationship with the user based on the user's usage history in the social network service, and calculates the reputation information of the user. The server then performs a step S25 of determining a first credit rating corresponding to the reputation information of the calculated user. A specific example of this is shown in Fig.

Referring to the data table 100 of FIG. 6, the user P1 has 30 years of age information in the occupation of the office worker, and uses the social network service for one year. The server compares the number of friend users of other users of the same requirement based on the information about the occupation, age, and service period of the social network service. In the case of the user P1 in FIG. 6, the number of friends is 170, which is compared with the number of friend users of the other users in the same requirement, and the reputation information of 71 points is calculated. At this time, since the number of friends may be different for each social network service, different reputation information can be calculated according to the usage and operation policy of the social network service.

According to the calculated reputation information, the server determines the first credit rating of the C-grade to the P1 user.

Returning to the description of FIG. 3, if the first credit rating is determined, the server obtains the financial service utilization form of the user within a predetermined period (for example, one month, quarter, half year, (S26) of generating a second credit rating by correcting the first credit rating using information on the amount of money, duration, and amount of use.

At this time, information that is used among the financial related usage details may be the usage details of the financial companies applying for the loan or the usage details of all the financial companies that the user uses.

For example, the server may receive the financial transaction amount of the user from the social network service company on a periodic basis or a separate designation period, and may generate the second credit rating based on the average usage amount. Specifically, the second credit rating means a rating used to determine and approve a limit on a loan limit, extension or additional loan application.

After step S26 is performed, the server performs step S27 of calculating the credit value corresponding to the determined second credit rating as the final credit value of the user.

When the credit value of the user is determined through the execution of the steps S20 and S2 shown in FIG. 1 and FIGS. 2 and 3, the server determines whether to approve the user's loan request based on the calculated credit value (S30).

The step S30 may be implemented with various functions according to the type of the user's loan request in step S10. That is, it can be implemented as a step of determining the limit amount at the time of requesting the advance loan according to the credit value of the user and the approval or disapproval of the individual loan.

At this time, in step S30, the server determines a preliminary loan ceiling amount, receives an input about a confirmation input for the preliminary loan ceiling amount from the user, an expiration date for the ceiling amount, and an automatic charging (automatic loan) request input can do. The dictionary loan is a concept corresponding to the automatic charging described above, and includes a loan method in which a user inquires of a limit beforehand and requests to perform a loan at a predetermined time.

Upon receipt of the pre-loan limit amount and the automatic charging request input, the server receives from the user a charging (lending) point and a range of charging amount per charging. In this case, in performing the loan, the server deposits the charge amount per charge corresponding to the charging at the point in time at the input charging time into the user's financial account and executes the loan.

On the other hand, in order to distribute profits of financial companies and social network companies, it is possible to deduct some of the loan amount and to lend it to users.

That is, the server lends out the amount corresponding to the interest or the remittance fee determined according to the amount corresponding to the request for loan out of the amount corresponding to the request for the loan, the remaining amount obtained by deducting from the amount corresponding to the request for the loan.

On the other hand, a social network service provider can receive a fee for providing the service from the financial service provider. In other words, the financial institution can distribute the revenue by paying a predetermined amount of the loan amount to the social network service provider as the service fee.

According to the present invention, a user can use a loan service that was not available in a financial service interlocked with an existing social network service according to his / her credit rating reasonably determined according to a result of using the social network service and financial service . In addition, various loan methods can be used, and the loan service can be used for various purposes.

In particular, when business operators such as small business owners are required to supply electricity, they can receive loan services based on social network services using smart terminals without limitation of location, so that a wider range of financial services can be used, Therefore, it is possible to utilize the loan service which restricts only the transfer fee without interest, thereby promoting the use of the service.

In terms of financial companies and social network service providers, it is possible for users to make money in a convenient and convenient way as they use the loan service.

4 is a block diagram of an online lending server based on a social network service according to an embodiment of the present invention. In the following description, description of parts overlapping with those of the description of Figs. 1 to 3 and 6 will be omitted.

4, an online loan server 10 based on a social network service according to an embodiment of the present invention includes a loan request receiving unit 11, a credit value calculating unit 12, and a loan advancing unit 13 .

The loan request receiving unit 11 receives a request input from the user through the user terminal 20, such as a loan amount, a viewpoint, a form, a limit, or the like, .

The credit value calculation unit 12 is configured to perform all the functions mentioned in the description of each step of S20 in FIG. 1 and each of the steps in FIGS. 2 and 3. In order to perform all the functions mentioned above, 30, a social network service provider server terminal 40, and a financial service server terminal 50 to receive user information for calculating a credit value.

The loan advancing unit 13 performs all functions mentioned in the description of steps S30 and S40 of FIG. 1, and performs a function of advancing a loan to a user's financial account. Specifically, it is possible to transmit to the server terminal 50 of the financial institution a control signal for giving a loan amount to the user.

5 is a diagram for explaining a distribution structure of information and revenue exchanged according to an embodiment of the present invention.

1 to 4, the server terminal 40 of the social network service company manages the usage history information of the customer 21 or performs a function of receiving a loan request from the customer 21 . At this time, the server terminal 50 of the financial company receives the social network service use history information of the customer 21 from the server terminal 40 of the social network service company, and at the same time, Can be paid. The server terminal 50 of the financial company and the server terminal 30 of the credit information company can share the credit information of the user.

The server terminal 50 of the financial company can pay the loan amount to the customer 21 and deduct the payment amount or the amount corresponding to the interest.

As described above, the functions of the online lending method based on the social network service and the server and the functions of the interface corresponding to the functions of the server described above are basically the same as those of the application installed in the user terminal (Which may include a program included in a platform, an operating system, etc.), and a user can directly execute the application installed on the user terminal through the application providing server such as the application store server, the application, Program). In this sense, all the functions of the online lending method based on the social network service and the server and the function of the advertisement interface corresponding thereto according to the above-described embodiment of the present invention are installed in the user terminal, (I.e., a program) and recorded on a computer-readable recording medium such as a user terminal.

Such a program may be recorded on a recording medium that can be read by a computer and executed by a computer so that the above-described functions can be executed.

As described above, in order to execute the online lending method based on the social network service according to each embodiment of the present invention and all the functions of the server and the functions of the advertisement interface corresponding thereto, the above-mentioned program is executed by a processor And may include code that is coded in a computer language such as C, C ++, JAVA, or machine language that can be read.

The code may include a function code related to a function or the like that defines the functions described above and may include an execution procedure related control code necessary for the processor of the computer to execute the functions described above according to a predetermined procedure.

In addition, such code may further include memory reference related code as to what additional information or media needed to cause the processor of the computer to execute the aforementioned functions should be referenced at any location (address) of the internal or external memory of the computer .

In addition, when a processor of a computer needs to communicate with any other computer or server, etc., to perform the above-described functions, the code may be stored in a computer's communication module (e.g., a wired and / ) May be used to further include communication related codes such as how to communicate with any other computer or server in the remote, and what information or media should be transmitted or received during communication.

In addition, a functional program for implementing the present invention, a code and a code segment associated with the functional program, and the like are provided to programmers in the technical field of the present invention in consideration of a system environment of a computer that reads a recording medium and executes a program Lt; RTI ID = 0.0 > and / or < / RTI >

Examples of the computer-readable recording medium on which the above-described program is recorded include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical media storage, and the like.

In addition, the computer-readable recording medium on which the above-described program is recorded may be distributed to a network-connected computer system so that computer-readable codes can be stored and executed in a distributed manner. In this case, one or more of the plurality of distributed computers may execute some of the functions presented above and send the results of the execution to one or more of the other distributed computers, The computer may also perform some of the functions described above and provide the results to other distributed computers as well.

In particular, the computer-readable recording medium on which the online loan method based on the social network service according to each embodiment of the present invention and the application, which is a program for executing all the functions of the server and functions corresponding to the output of the advertisement interface, , A storage medium (e.g., a hard disk, etc.) included in an application provider server such as a web server related to the application or the service, or an application providing server itself .

The computer readable recording medium on which the online loan method based on the social network service according to each embodiment of the present invention and the application, which is a program for executing all the functions of the server and the function of the advertisement interface outputted corresponding thereto, A mobile terminal such as a smart phone, a tablet PC, a PDA (Personal Digital Assistants), and a mobile communication terminal, as well as a general PC such as a desktop or a notebook computer. In addition, .

In addition, a computer capable of reading a recording medium on which an application, which is a program for executing all the functions of the server and all the functions of the server and the corresponding advertisement interface, corresponding to the social network service according to the embodiment of the present invention is recorded, In the case of a mobile terminal such as a phone, a tablet PC, a PDA (Personal Digital Assistants) and a mobile communication terminal, the application may be downloaded from the application providing server to a general PC and installed in the mobile terminal through a synchronization program.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program is stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As a storage medium of the computer program, a magnetic recording medium, an optical recording medium, or the like can be included.

It is also to be understood that the terms such as " comprises, " " comprising, " or " having ", as used herein, mean that a component can be implanted unless specifically stated to the contrary. But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the scope of the present invention but to limit the scope of the technical idea of the present invention. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

Claims

An online loan server based on a social network service,
Receiving a loan request from a user using a social network service interlocked with a financial company;
Calculating a credit value of the user using the finance related usage history and the social network service usage details of the user received from the financial company and the social network service company;
Determining whether to approve the user's loan request based on the calculated credit value; And
And if the approval of the user's loan request is determined, lending the money corresponding to the loan request to the financial account of the user.

The method according to claim 1,
The step of calculating the credit value of the user comprises:
Receiving from the credit information company the basic credit information of the user calculated by the credit information company according to the social network service usage status information of the user;
Calculating financial behavior information according to reputation information according to the user's social network service usage history and financial usage history of the user; And
And calculating the credit value of the user by applying the reputation information and the financial behavior information to the basic credit information.

3. The method of claim 2,
The step of calculating the credit value of the user comprises:
Calculating reputation score of the user as reputation information of the user according to the user's personal information, the number of other users set as a friend on the user and the social network service, and the usage policy of the social network service company; And
And determining a first credit rating corresponding to the calculated reputation information of the user.

The method of claim 3,
The step of calculating the credit value of the user comprises:
Generating a second credit rating by correcting the first credit rating using information on a financial service utilization form, a term and a usage amount of the user within a predetermined period of the financial related usage history; And
And calculating a credit value corresponding to the second credit rating as the credit value of the user.

The method according to claim 1,
The method of claim 1,
And determining whether or not to approve the individual loan based on the credit limit value of the user based on the credit value of the user.

6. The method of claim 5,
Wherein the step of borrowing comprises:
Receiving the input of a confirmation input for the preliminary loan ceiling amount from the user, an input regarding an expiration date for the ceiling amount, and an automatic charging request input from the user, the preliminary loan ceiling amount being determined;
Receiving an automatic charging request input for the pre-loan ceiling amount, the charging time and the range of the charging amount per charging from the user; And
And charging the charge amount per charge to the user's financial account at each charging time point.

The method according to claim 1,
Wherein the step of borrowing comprises:
Wherein the amount of money corresponding to the interest or the fee determined according to the amount corresponding to the request for loan from the amount corresponding to the request for loan is subtracted from the amount corresponding to the request for the loan. Online loan method.

The method according to claim 1,
After the step of borrowing,
Further comprising the step of the financial institution paying an amount of the predetermined amount of the loaned amount to the social network service company as a service use fee.

A loan request receiving unit for receiving a loan request from a user using a social network service interlocked with a financial company;
A credit value calculation unit for calculating a credit value of the user by using the finance related usage history and the social network service usage details of the user received from the financial company and the social network service company;
Determining whether to approve the user's loan request based on the calculated credit value, and, when the approval of the user's loan request is determined, a loan corresponding to the loan request to the user's financial account And an advancing portion for forwarding the social network service based on the social network service.

An online loan server based on a social network service,
Receiving a loan request from a user using a social network service interlocked with a financial company;
Calculating a credit value of the user using the finance related usage history and the social network service usage details of the user received from the financial company and the social network service company;
Determining whether to approve the user's loan request based on the calculated credit value; And
And a step of lending an amount corresponding to the loan request to the financial account of the user when the approval of the user's loan request is determined. A computer-readable recording medium on which a program is recorded.