KR20170060362A

KR20170060362A - Method for Borrowing Transaction between Individuals based on Electronic Documents

Info

Publication number: KR20170060362A
Application number: KR1020150164736A
Authority: KR
Inventors: 김승기; 김병진; 김재형
Original assignee: (주)기브텍
Priority date: 2015-11-24
Filing date: 2015-11-24
Publication date: 2017-06-01

Abstract

The present invention relates to an electronic document-based inter-personal borrowing transaction method, in which an electronic document-based inter-personal borrowing transaction method is implemented through a server communicating with a debtor terminal to borrow money from an individual, A first step of receiving, from a debtor terminal, credit information including creditor information for borrowing money from the debtor, borrowing information including borrower's personal information and account information and borrowing money from the creditor; A second step of authenticating the debtor's identity corresponding to the personal information of the debtor; a second step of authenticating the debtor's identity corresponding to the personal information of the debtor; and a second step of authenticating the debtor, in cooperation with the financial server designated on the basis of the personal information and account information of the debtor, If the name of the financial account corresponding to the account information is the same as the person himself / herself A third step of carrying out an authentication procedure of an account name for authenticating the account of the creditor; and a third step of performing a borrowing transaction in which the debtor himself / herself borrows and repay the borrowing amount corresponding to the borrowing information from the creditor A fourth step of generating an electronic document to be used for verifying the creditor electronic document; a fifth step of transmitting a digital certificate of the charterer to a creditor terminal used by a creditor corresponding to the creditor information; A step of transmitting the corrected electronic document to the debtor terminal after receiving the modified electronic document from the terminal by the creditor, receiving the modified electronic document from the debtor terminal, To the creditor terminal at least once, Receiving the approval information for the chartered electronic document from the owner terminal and receiving the borrowing amount from the creditor's financial account based on the approved chartered electronic document and the borrower's financial account with the financial account of the debtor And a seventh step of performing a procedure for storing the electronic document for use in the financial procedure in a designated electronic document storage medium.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic document based borrowing transaction,

The present invention generates an electronic document for borrowing by processing the identity of the debtor and the name of the account in cooperation with the debtor terminal used by the debtor to receive the money, and then transfers the electronic document to the creditor terminal used by the creditor to borrow the money Upon approval, the creditor provides the borrower with a borrowing transaction to borrow the borrower based on the approved electronic document for borrowing. The borrower's electronic document is stored in the designated electronic document storage medium and managed by the borrower To provide an inter-personal borrowing transaction that allows the borrowing amount to be received.

Since the monetary system has been created, borrowing transactions have continued to be borrowed or borrowed from individuals, and such inter-personal borrowing transactions have always been pointed out to be the most important factor in causing disputes among individuals. In this case, it is common that the inter-individual borrowing transaction should be created by creating an IUE to suppress individual disputes, but in fact, it is rare that an IUE is created in most inter-individual borrowing transactions. That is, most of the inter-individual borrowing transactions have a misunderstanding that the fact that the borrowing in the inter-personal borrowing transaction itself is an act of damaging the mutual ties, No borrowing is created in transit transactions. In particular, when borrowing a small amount of money, borrowing is more rarely made.

As a result, personal borrowing transactions without borrowing are being exploited for voice phishing and various financial frauds. For example, if a hacker requests money from another person's personal information by stealing personal information of another person who has been exposed to it for a long time, the person has to pay money without any doubt considering the relationship with the other person corresponding to the stolen personal information. And the problem is to pay.

On the other hand, there has been proposed a method of processing a borrowing transaction or a borrowing transaction through a money transfer through a program installed in the terminal (Patent Document 10-2006-0020994 (2006.03.07)), This has a problem in that it involves merely automating a troublesome borrowing transaction through offline, and it is difficult to prevent the personal borrowing transaction from being abused by voice phishing or various financial frauds.

In order to solve the above problems, an object of the present invention is to provide a method and system for solving the above-mentioned problems, in which a creditor who borrows money from a borrower after processing an account of borrower's identity and account name in cooperation with a debtor terminal used by a borrower to borrow money, The electronic document is transmitted to the creditor terminal, and upon approval, the creditor provides the borrower with the borrowing amount borrowed by the creditor based on the approved electronic document of the borrower, while keeping the borrowed electronic document in the designated electronic document storage medium In this case, the borrower authentication process, which is performed during the process of creating or storing the electronic documents for borrowing, is carried out with enhanced security. At the same time, the borrower transaction procedure based on the electronic document for borrowing is performed by the withdrawal transaction of withdrawing the borrowing amount from the creditor's financial account, Receiving transaction that receives the amount of borrowing to account Lee linked to it and the process of how to secure borrowing transactions performed with enhanced authentication debtor debtor is an electronic document based on the debtor to undergo a security-enhanced receipt for the amount borrowed from the inter-personal authentication provides.

A method of executing an electronic document-based inter-personal borrowing transaction method according to the present invention is a method executed by a server communicating with a debtor terminal to borrow money to an individual, the method comprising the step of receiving creditor information for borrowing money from the debtor terminal A first step of receiving, from the creditor, information about the charterer who includes the personal information of the creditor himself and the account information and borrowing information for borrowing money from the creditor; a first step of authenticating the debtor himself who corresponds to the personal information of the debtor A second step of performing an authentication procedure; and a second step of authenticating the debtor, when a name of a financial account corresponding to the account information of the debtor is interlocked with a financial server designated based on personal information and account information of the debtor, A third step of carrying out an authentication procedure of an account name for authenticating the name of the user, A fourth step of, when the account name of the originally authorized debtor is authenticated, generating an IOU document proving that the borrower himself / herself borrows and repay the borrowing amount corresponding to the borrowing information from the creditor; A step of transferring the electronic document to the creditor terminal used by the creditor corresponding to the information; and a step of, if the electronic document is received from the creditor terminal, A procedure for transferring the modified electronic document to the debtor terminal after the modified electronic document is transmitted to the creditor terminal, receiving the revised electronic document for modification or further revision from the debtor terminal and delivering it to the creditor terminal at least once, Receives the approval information for the above-mentioned chartered electronic document from A financial transaction that links the withdrawal transaction for withdrawing the borrowing amount from the financial account of the creditor with the receipt transaction for receiving the borrowing amount to the financial account of the debtor based on the approved electronic document for borrowing, And a seventh step of performing a procedure of storing the electronic document for charter used in the financial procedure in a designated electronic document storage medium.

According to the present invention, the second step includes a personal authentication procedure for combining two or more heterogeneous communication networks available to the debtor, a personal authentication procedure for combining two or more media held by the debtor, a one time password (OTP) The authentication process using at least one or more of OTP-based personal authentication procedures using the medium and personal authentication procedures using the creditor's certificate can be performed.

According to the present invention, the fourth step may further include performing a procedure of attaching the electronic signature of the debtor to the electronic document of the debenture using the certificate of the debtor.

According to the present invention, the electronic document-based inter-personal borrowing transaction method further comprises the step of attaching the electronic signature of the creditor to the electronic document of the charterer using the creditor's certificate when the electronic signature of the charterer is delivered to the creditor terminal The method comprising the steps of:

According to the present invention, the financial procedure further comprises the steps of: withdrawing the borrowing amount from the financial account of the creditor and depositing the borrowing amount in a designated relay account; notifying the debtor terminal of the receipt transaction for receipt of the borrowing amount used by the debtor; Processing the electronic signature of the debtor with respect to the receipt transaction using the certificate of the debtor's own authentication process or the certificate of the debtor for the receipt transaction interlocked with the debtor terminal; And performing a procedure of depositing the borrowed amount deposited in the borrower's financial account in the borrower's financial account. The financial procedure may further include a step of processing the electronic signature of the debtor in the approved electronic document using the certificate of the debtor.

According to the present invention, the electronic document-based inter-personal borrowing transaction method may further include notifying, to the debtor terminal, a transaction result of depositing the borrowing amount to the financial account of the debtor.

According to the present invention, the electronic document-based inter-personal borrowing transaction method comprises the steps of: confirming whether a financial transaction related to interest payment for the borrowing transaction has occurred, based on an electronic document for borrowing stored in the electronic document storage medium; A payment of interest is calculated by calculating the interest amount based on the above-mentioned electronic document for borrowing, withdrawing the interest amount from the designated account of the borrower, and depositing the interest amount into the designated account of the creditor, A step of performing a procedure of checking the fact of interest payment to confirm the transaction fact of depositing the interest amount to the designated account of the creditor; and a step of performing the tax payment procedure of the creditor corresponding to the payment of the interest amount of the debtor at the time of paying the interest amount of the debtor The method comprising the steps of: And generating and storing the interest-paid electronic document corresponding to the interest amount payment of the debtor. The method may further include notifying the creditor terminal of information corresponding to failure of the interest payment procedure or unconfirmed payment of interest, when the interest payment procedure fails or the interest payment is not yet confirmed.

According to the present invention, the electronic document-based inter-personal borrowing transaction method comprises the steps of: checking whether a borrowing amount related to the borrowing amount reimbursement has occurred on the basis of the forgery electronic document stored in the electronic document storage medium; When the business occurrence is confirmed, the repayment amount is confirmed or calculated on the basis of the above-mentioned electronic document for borrowing, the repayment amount for withdrawing the repayment amount from the designated account of the debtor, and depositing the repayment amount into the designated account of the creditor, A step of performing an amount reimbursement fact check process of confirming a transaction fact in which the repayment amount is deposited to a designated account of the debtor, and a step of informing the creditor terminal of the amount reimbursement of the debtor to the creditor terminal upon repayment of the amount of the debtor have. And generating and storing the redeemed electronic document corresponding to the repayment of the borrower's borrowing amount. If the amount refund procedure is unsuccessful or the reimbursement procedure is not yet confirmed, the step of informing the creditor terminal of information corresponding to the failure of the refund procedure or the fact that the refund amount has not yet been confirmed may be further included. Meanwhile, the redemption amount may include a part of the borrowing amount or the borrowing amount.

According to the present invention, it is possible to suppress the dispute between borrowers and borrowers by creating and storing electronic documents for borrowing for borrower transactions, and at the same time, enhancing the authentication related to the debtor in the process of generating or storing electronic documents for borrowing Thereby preventing an individual borrowing transaction from being abused by voice phishing and various financial frauds.

According to the present invention, in the processing of an inter-personal borrowing transaction based on an electronic document of a borrower and an agreed borrower made between a creditor and a debtor, the above-mentioned inter-personal borrowing transaction procedure is a process of withdrawing a borrowing amount from a creditor's financial account, The borrower is required to separate the borrower from the borrower to receive the borrowed amount from the borrower's financial account. In this case, There is an advantage in that it is prevented.

1 is a diagram illustrating an electronic document-based inter-personal transaction system according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating an electronic document creation process according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating an electronic document exchange process according to an embodiment of the present invention.
4 is a diagram illustrating a borrowing electronic document-based borrowing transaction process according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a borrowing electronic document-based borrowing transaction process according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of interest-based electronic document-based interest payment according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a process of interest-based electronic document-based interest payment according to another embodiment of the present invention.
FIG. 8 is a diagram illustrating an amount reimbursement process based on an electronic document for charter according to an embodiment of the present invention.
FIG. 9 is a diagram illustrating an amount reimbursement process based on an electronic document for charter according to another embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating an electronic document-based inter-personal transaction system according to an embodiment of the present invention.

In more detail, FIG. 1 shows an example of an electronic document of a debtor which is used by a creditor to borrow money after processing a debtor's identity and account name authentication in cooperation with a debtor terminal 180 used by a debtor to borrow money, 185), and upon approval, the creditor electronic document is stored in a designated electronic document storage medium while providing a borrowing transaction in which the creditor borrows the borrower's amount based on the approved chartered electronic document. FIG. 1 is a block diagram of a system for providing an inter-personal borrowing transaction for allowing the borrower to receive a borrowing amount through an enhanced security of the borrower. As shown in FIG. 1, To the electronic document-based inter-personal transaction system It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, The technical features are not limited by the method alone.

The system of the present invention comprises at least one debtor terminal 180 which is used by the debtor to borrow money and which is used to create an electronic document for borrowing for money and at least one creditor used by the creditor borrowing money from the debtor The creditor terminal 185 and the creditor terminal 180 are used to process the creditor's identity and account name authentication to generate the chartered electronic document and send it to the creditor terminal 185 used by the creditor borrowing the money, , And when the approval is granted, the borrower borrows the borrowing amount on the basis of the approved borrowing electronic document, and provides the borrower with the borrowing amount according to the present invention, while keeping the borrowed electronic document in the designated electronic document storage medium (100) for performing various personal authentication or account names according to the present invention, Further comprising a financial server (190) for use in at least one of authentication or for processing at least one financial transaction for a borrowing transaction in accordance with the present invention, wherein the electronic document archiving medium storing the said < RTI ID = 0.0 > And an electronic document server 195 that is involved in the generation of the electronic document. According to an embodiment of the present invention, the operation server 100 may be implemented as at least one server or a combination of two or more servers. The server 100 may be a server operated by a financial institution, a server operated by a separate operator, And a server operated by a business entity in cooperation with each other, and the present invention is not limited by the method of implementing the operation server 100 or the entity that operates the entity. Therefore, in the embodiment described in the detailed description of the present invention, description described with the operating server 100 as a main body is not necessarily limited to the processing performed by the operating server 100, but means that such a function is provided. The description described with the operation server 100 as a main body includes a configuration for processing through the financial server 190 or the electronic document server 195 or a configuration for requesting / confirming that the operation server 100 is processed in association with each server .

The debtor terminal 180 is a collective term of a terminal used by a debtor to borrow money, and is preferably used by a debtor to create an electronic document for an account for borrowing money. According to the embodiment of the present invention, the debtor terminal 180 includes all kinds of wireless terminals (for example, a mobile phone, a smart phone, a tablet PC, etc.) possessed or used by various wire terminals used by a debtor and a debtor And the present invention is not limited by the type or function of the debtor terminal 180 or the communication network to which the debtor terminal 180 is connected. Preferably, the debtor terminal 180 may be provided with a program for performing an operation of the debtor terminal 180 according to the present invention.

The creditor terminal 185 is a collective term of a terminal used by a creditor borrowing money from the debtor, and can be preferably used to approve the chartered electronic document created for the use of money. According to the embodiment of the present invention, the creditor terminal 185 includes all kinds of wireless terminals (for example, a mobile phone, a smart phone, a tablet PC, etc.) owned or used by the various wire terminals and creditors used by the creditor And the present invention is not limited to the type and function of the creditor terminal 185 or the communication network to which the creditor terminal 185 is connected. Preferably, the creditor terminal 185 may be provided with a program for performing operations of the creditor terminal 185 according to the present invention.

The financial server 190 is a generic name of a server for processing at least one financial transaction for a borrower transaction according to the present invention and is used for authentication of at least one of various personal authentication or account name authentication according to the present invention . If the creditor and the debtor are customers of the financial institution, the financial server 190 may include a server provided in the financial institution. If the creditor and the debtor are customers of another financial institution, the financial server 190 may include two or more servers provided to each financial institution used by the creditor and the debtor, They can communicate with each other through a common network.

The electronic document server 195 is a collective term of a server that stores and manages an electronic document for making use of which an electronic signature is completed (or approved) according to a procedure according to the present invention in a designated electronic document storage medium. And can participate in electronic document generation. According to the embodiment of the present invention, when the credit institution electronic document is managed by the financial institution used by the creditor, the electronic document server 195 may include a server of a financial institution used by the creditor, When the financial institution manages the electronic paper of the charter ID, the electronic document server 195 may include a server of a financial institution used by the debtor. Or the electronic document server 195 may include a server of a recognized authorized institution that processes the electronic document archiving service.

The operation server 100 is a generic name of a server corresponding to a server-side entity that performs an electronic document-based inter-personal borrowing transaction according to the present invention. The operation server 100 includes a server (or a server combination) operated by a financial institution, (Or a combination of servers), a server (or server combination) operated by a financial institution in cooperation with a business entity, or a combination of at least two of the above, and is not limited to a single physical server. Preferably, the functional configuration of the operation server 100 described in the detailed description of the present invention is preferably viewed as program code implemented on the server side in order to implement the functions according to the present invention.

Referring to FIG. 1, the operation server 100 includes creditor information for borrowing money from the debtor terminal 180, and includes personal information and account information of the debtor's own person, and borrows money from the creditor A borrower's identity verification unit 110 for performing a borrower's identity verification process for authenticating the borrower's identity corresponding to the personal information of the debtor, The name of the financial account corresponding to the account information of the debtor is linked to the designated financial server 190 on the basis of the personal information and the account information of the debtor, An authentication unit (115) for receiving the borrowing amount corresponding to the borrowing information from the creditor, It is provided with an electronic document generation unit 120 to generate the electronic document to demonstrate the IOU performing the borrowing transaction.

The debtor terminal 180 displays a charter creation interface for inputting designated charter information by driving a program for creating a chartered electronic document or connecting to the operating server 100. [ The debtor terminal 180 inputs / selects the creditor information for borrowing money from the borrower through the charterer creation interface and / or inputs personal information of the debtor's own person (for example, the name of the debtor, the date of birth (For example, the mobile phone number or telephone number of the debtor, the carrier information, the address of the debtor, etc.) and the account information (for example, the bank information of the debtor, the account number of the debtor, etc.) Enter / select borrowing information to borrow money from a creditor to be credited.

According to the embodiment of the present invention, the debtor terminal 180 can input / select creditor information including creditor identification information that identifies a creditor to receive the chartered electronic document through the chartering account creation interface. For example, the creditor identification information may include the ID of the creditor, the name of the creditor, the mobile phone number of the creditor, the telephone number of the creditor, and the e-mail address of the creditor. Meanwhile, according to the method of the present invention, the debtor, in consultation with the creditor, transmits the personal information of the creditor (for example, the name of the creditor, the date of birth of the creditor (or the resident number) And / or the account information of the creditor (e.g., the creditor's bank information, the creditor's account number, etc.), and / or the creditor's account information.

According to the method of the present invention, the borrowing information may include at least one of a borrowing amount, a borrowing date, a repayment term or a repayment date, a repayment method, an interest rate, a interest payment method, and a delayed loss provision. On the other hand, the borrowing information is not limited to the illustrated configuration information, but may include various information or omit some information depending on the purposes and forms of borrowing. However, it is preferable that the borrowing information includes borrowing amount borrowed from the creditor.

The information receiving unit 105 includes borrower information including borrower's personal information and account information from the borrower terminal 180 and borrowing information from the creditor to borrow money from the borrower, .

When the information on the use of illegal means is received through the information receiving unit 105, the creditor's authentication unit 110 associates with the one or more terminals that the debtor uses (or owns) and registers the debtor's identity corresponding to the personal information of the debtor The borrower who performs authentication performs the authentication procedure.

According to the embodiment of the present invention, the debtor's personal authentication unit 110 provides the personal information of the debtor to a server of a designated real name authentication organization (for example, a mobile communication company, a financial institution, a credit information agency, or the like) And perform the process of processing the real name authentication of the debtor based on the personal information of the debtor.

According to the second embodiment of the present invention, the creditor's authentication unit 110 uses two or more terminals (or terminal media) connected to heterogeneous heterogeneous communication networks among two or more terminals used by the debtor, The user can perform an authentication procedure for authenticating the user. For example, the creditor's identity authentication unit 110 may send an authentication number to a wireless terminal such as a mobile phone owned by the debtor, receive the received authentication number through the wire terminal of the debtor, and perform authentication and authentication.

According to the third embodiment of the present invention, the creditor's authentication unit 110 may be a terminal capable of multiple access to different heterogeneous communication networks (for example, a smart phone capable of being connected to a telephone network and a data network, Phone, etc.) can be used to perform an authentication procedure to authenticate the identity of the debtor. For example, the creditor's identity authentication unit 110 may send an authentication number to a smartphone of a debtor via a telephone network, input the received authentication number through a smartphone of the debtor, and receive and authenticate the user through a data network have.

According to the fourth embodiment of the present invention, the creditor's authentication unit 110 may be configured to authenticate the user by using different types of media (for example, a mobile phone / a smart phone used by a debtor, etc.) among two or more media (Eg, a contactless IC card, an RF card, an NFC card, an NFC-OTP card, a BLE medium, or the like) that can be interfaced with the terminal medium of the debtor, The authentication unit 110 may be configured to authenticate the identity of the debtor by using the smartphone of the debtor, for example, by using the RFID tag or the like. A procedure for receiving and authenticating the authentication code recognized from the portable medium can be performed.

According to the fifth embodiment of the present invention, the creditor's authentication unit 110 includes a OTP (One Time Password) medium (for example, an OTP generator, a mobile phone installed with an OTP application, A smart phone, a card having an OTP generation function, or the like) through the terminal of the debtor, receives and receives the OTP through the terminal of the debtor, and performs the authentication procedure for authenticating the debtor.

According to the sixth embodiment of the present invention, the creditor's authentication unit 110 may be configured to authenticate the creditor's own certificate (for example, for the financial transaction) provided in the terminal owned by the debtor or owned by the debtor Certificate authentication based on the certificate of the borrower, etc.).

According to the seventh embodiment of the present invention, the creditor's authentication unit 110 may be configured to at least partially combine or modify at least two of the first to sixth embodiments of the present invention, The present invention is not limited to the method of authenticating the identity of the debtor or the specific embodiment. That is, it is clear that the creditor's authentication unit 110 includes all the present methods of authenticating the creditor's identity, or all the future authentication methods implemented by improving / modifying the same. For example, at least one embodiment among the first to seventh creditor authentication embodiments may be arbitrarily (or dynamically) selected / determined and processed.

According to the embodiment of the present invention, only when the debtor corresponding to the personal information of the debtor included in the above-mentioned disclosure information through the debtor's personal authentication unit 110 is the debtor's individual, the electronic document- . That is, the electronic document-based inter-personal borrowing transaction according to the present invention can solve various financial accidents caused by borrowing transactions between individual borrowers by enhancing the authentication related to the borrower who borrows money from a creditor borrowing money. Since the debtor, who wishes to borrow money, will be willing to bear all such procedures, no matter how complicated the authentication procedure may be, the present invention strengthens the authentication process for at least the debtor and may result in an inter-personal borrowing transaction (For example, voice phishing, financial fraud, impersonation, and the like) can be prevented in advance.

If the identity of the debtor is authenticated through the verifier's identity authentication unit 110, the debtor account authentication unit 115 may interoperate with the financial server 190 designated on the basis of the personal information of the debtor and the account information, The name of the financial account corresponding to the account information of the borrower is authenticated as the name of the borrower who is the principal authenticated.

According to the method of the present invention, the borrower's account authentication unit 115 reads the account information of the debtor, identifies the financial institution in which the debtor's financial account corresponding to the account information of the debtor exists, Based personal inter-company transaction of the electronic document is provided only to customers of the financial institution through a specific financial institution, the financial institution identification procedure may be omitted), the financial server 190 corresponding to the identified financial institution The name of the financial account corresponding to the account information of the debtor is requested through the financial server 190 to recognize the name of the customer corresponding to the personal information of the debtor who has been authenticated by the user, If the name of the financial account corresponding to the account information of the debtor from the financial server 190 is the identity of the person himself or herself It is provided.

According to the embodiment of the present invention, only when the debtor corresponding to the account information of the debtor included in the above-mentioned disclosure information through the debtor account authentication unit 115 is the debtor's personal name, the electronic document- . That is, the electronic document-based inter-personal borrowing transaction according to the present invention can solve various financial accidents caused by borrowing transactions between individual borrowers by enhancing the authentication related to the borrower who borrows money from a creditor borrowing money. Since the debtor, who wishes to borrow money, will be willing to bear all such procedures, no matter how complicated the authentication procedure may be, the present invention strengthens the authentication process for at least the debtor and may result in an inter-personal borrowing transaction (For example, voice phishing, financial fraud, impersonation, and the like) can be prevented in advance.

If the identity of the debtor is authenticated through the debtor's personal authentication unit 110 and the name of the debtor's financial account is authenticated through the debtor's account authentication unit 115, The borrower who borrows the borrowing amount corresponding to the borrowing information from the creditor and verifies the borrowing transaction to repay the interest and / or principal amount of the borrowing amount in accordance with the method described in the borrowing information according to the method of implementation, I can not create an electronic document. Preferably, the electronic document generation unit 120 may generate the chartered electronic document by substituting the configuration information included in the charter information into a designated electronic document format.

According to the first embodiment of the present invention, the electronic document generation unit 120 generates an electronic document of a charter by including the configuration information of the charter information, ) Generates the electronic signature of the debtor himself or herself with respect to the above-mentioned IUE information or the above-mentioned IUE document through a certificate (for example, an authorized certificate for financial transaction) of the said debtor provided in a medium, By attaching a signature to the above-mentioned electronic document for the charter, the user can generate a chartered electronic document proving that the borrower carries out a borrowing transaction in which the borrower borrows and redeems the borrowing amount corresponding to the borrowing information from the creditor.

According to the second exemplary embodiment of the invention, the electronic document generation unit 120 generates the electronic document including the configuration information of the irregularity information, and transmits the electronic document to the borrower authentication unit 110), and / or by attaching the log information of the creditor authentication process through the creditor authentication unit (110), the creditor himself or herself can obtain the borrowing amount corresponding to the borrowing information from the creditor Quot; can be generated to prove that the borrowing transaction is performed by borrowing and repaying the borrowed electronic document.

According to the third embodiment of the present invention, the electronic document generation unit 120 generates an electronic version of an electronic bill of lading containing the configuration information of the digital bill of lading information, 115), and / or by attaching the log information of the creditor account name authentication process through the creditor account authentication unit (115), the creditor himself / herself can obtain the credit information corresponding to the credit information from the creditor It is possible to generate the chartered electronic document proving that the borrowing transaction for borrowing and repaying the borrowing amount is performed.

According to the fourth exemplary embodiment of the invention, the electronic document generation unit 120 may combine or modify at least two of the first to the third digital signature generation examples, The borrower can generate the chartered electronic document proving that the borrower himself / herself carries out a borrowing transaction in which the borrower borrows and redeems the borrowing amount corresponding to the borrowing information from the creditor.

The electronic document generation unit 120 may temporarily store the generated electronic document for borrowing and may process the electronic document for borrowing created by the debtor to be transmitted to the creditor for approval and / .

Referring to FIG. 1, the operating server 100 includes an electronic document transferring unit 125 for transferring the electronic document to the creditor terminal 185 used by a creditor corresponding to the creditor information An information registration unit 130 for registering the personal information or the account information of the creditor himself or herself through the creditor terminal 185 when the valid personal information or the account information of the creditor is not included in the electronic document of charterer, A creditor's personal authentication unit 135 for authenticating a creditor who is registered through the terminal 185 or authenticates a creditor who corresponds to personal information of a creditor included in the above mentioned chartered electronic document, Or in association with the financial server 190 designated on the basis of the personal information and the account information of the creditor registered in the electronic coupon certificate or included in the above- At least one of a maker name of the account information, wherein the financial account creditor own name that the creditor account and authentication certificates to perform the authentication procedure for the account name 140 corresponding to the may further include.

When the electronic document transfer unit 125 generates the electronic document through the electronic document generation unit 120, the electronic document transfer unit 125 transfers the electronic signature to the creditor terminal 185, which is used by the creditor based on the creditor information included in the above- And transmits the electronic document to the user.

According to the embodiment of the present invention, when a program capable of processing an inter-personal borrowing transaction based on the chartered electronic document is installed in the creditor terminal 185 used by the creditor, the electronic document transferring unit 125 transfers The borrower terminal 185 can transmit the above-mentioned electronic document to the creditor terminal 185 by executing a push notification procedure for delivering the above mentioned electronic document. Alternatively, the electronic document transferring unit 125 may perform a procedure for sending a message for transferring the above-mentioned electronic document to the mobile phone corresponding to the creditor terminal 185, The user can send a mail for delivering the above-mentioned chartered electronic document. Alternatively, the electronic document transferring unit 125 may link a phone call for transferring the electronic document to the creditor's mobile phone / telephone in cooperation with an ARS server (not shown). That is, the electronic document delivery unit 125 may perform a procedure for delivering the electronic ID document to the creditor terminal 185 through all existing means (or modification / modification thereof).

The creditor terminal 185 may operate the specified program or connect to the operation server 100 in conjunction with the electronic document transmission procedure through the electronic document transfer unit 125 to display the electronic document for debenture and / To display creditor-side invoice-related interfaces that can register specific information, and / or modify at least a portion of the invoice electronic document and / or authorize the invoice electronic document. Preferably, the creditor terminal 185 may display the received chartered electronic document via the creditor-side charterer-related interface.

If the valid personal information and / or the account information of the creditor is not included in the received digital signature, the creditor terminal 185 transmits the valid personal information of the creditor himself / herself from the creditor through the creditor- Information and / or account information, and may transmit the valid personal information and / or account information of the creditor himself / herself to the operation server 100. [ The information registering unit 130 may receive valid personal information and / or account information of the creditor himself / herself, which is input / selected from the creditor terminal 185, on the basis of the creditor-side inquiry-related interface.

On the other hand, if personal information and / or account information for the creditor is included in the delivered electronic document, the creditor terminal 185 transmits the personal information of the creditor included in the chartered electronic document through the creditor- The creditor terminal 185 may input and / or select the creditor's own confirmation information with respect to the account information, and transmit the creditor's personal information and / or the creditor's personal information to the operating server 100, It is possible to receive the creditor's own confirmation information on the account information.

Or if the personal information and / or the account information of the creditor is included in the delivered electronic document, but the creditor has modified at least one of the creditor terminal 185, the creditor terminal 185 transmits the modified personal information and / And the information registration unit 130 may receive the personal information and / or the account information of the modified creditor from the creditor terminal 185.

When valid personal information of the creditor is confirmed through the information registration unit 130, the creditor's identity authentication unit 135 associates creditor's personal information with the creditor's personal information in cooperation with one or more terminals that the creditor uses (or owns) The creditor who certifies himself or herself can perform the authentication procedure himself.

According to an embodiment of the present invention, the creditor's identity authentication unit 135 provides personal information of the creditor to a server of a designated real name authentication authority (for example, a mobile communication company, a financial institution, a credit information agency, or the like) And perform the process of processing the real name authentication of the creditor based on the personal information of the creditor.

According to the embodiment of the second creditor authentication of the present invention, the creditor's identity authentication unit 135 uses two or more terminals (or terminal media) connected to different heterogeneous communication networks among two or more terminals used by the creditor, The user can perform an authentication procedure for authenticating the user. For example, the creditor's identity authentication unit 135 may send an authentication number to a wireless terminal such as a mobile phone owned by the creditor, and receive and receive the authentication number through the wired terminal of the creditor.

According to the embodiment of the third creditor authentication method of the present invention, the creditor's identity authentication unit 135 may be configured to allow the creditor's identity authentication unit 135 to use a plurality of heterogeneous heterogeneous communication networks (for example, Phone, etc.) can be used to carry out an authentication procedure to authenticate the identity of the creditor. For example, the creditor's identity authentication unit 135 may transmit an authentication number to a creditor's smartphone via a telephone network, receive the authentication number through a smartphone of the creditor, and receive and authenticate the received authentication number through a data network have.

According to the embodiment of the fourth creditor authentication of the present invention, the creditor's identity authentication unit 135 may be configured such that the creditor's identity authentication unit 135 authenticates the creditor by using different types of media (for example, a cell phone / (Such as a contactless IC card, an RF card, an NFC card, an NFC-OTP card, a BLE medium, or the like) that can be interfaced with a terminal medium of the creditor and a terminal medium such as a mobile phone / smartphone of the creditor, The creditor's identity authentication unit 135 can authenticate the creditor's identity by using the smartphone of the creditor as the portable (or owning) A procedure for receiving and authenticating the authentication code recognized from the portable medium can be performed.

According to the fifth creditor authentication method of the present invention, the creditor's identity authentication unit 135 may be a one-time password (OTP) medium (for example, an OTP generator, a mobile phone / A smart phone, a card having an OTP generation function, etc.) through the creditor's terminal, and receives and authenticates the OTP, thereby performing an authentication process of authenticating the creditor.

According to the sixth embodiment of the creditor authentication method of the present invention, the creditor's identity authentication unit 135 may be configured to authenticate the creditor's own certificate (for example, for the financial transaction) provided in the terminal owned by the creditor or owned by the creditor Certificate authentication, etc.), the authentication process of authenticating the identity of the creditor can be performed.

According to the embodiment of the seventh creditor authentication method of the present invention, the creditor's identity authentication unit 135 identifies at least one of the first through sixth creditor authentication methods at least partially, The present invention is not limited to the method of authenticating the identity of the creditor or the concrete embodiment. That is, it is clear that the creditor's identity authentication unit 135 includes all existing methods of authenticating the creditor's identity, or all future authentication methods implemented by improving / modifying the creditor's identity.

According to the method of the present invention, the creditor's identity authentication through the creditor's identity authentication unit 135 can be simplified to omit at least a part of the authentication process or can be simplified to the creditor's own authentication process, and thus the present invention is not limited thereto. Preferably, the creditor's identity verification procedure may be provided at a level that is comparable to a normal non-face-to-face financial transaction before an inter-personal borrowing transaction occurs.

If the identity of the creditor is authenticated through the creditor's identity authentication unit 135, the creditor account authentication unit 140 interlocks with the designated financial server 190 based on the personal information of the creditor and the account information, The name of the financial account corresponding to the account information of the creditor can be authenticated as the identity of the creditor himself or herself.

According to the method of the present invention, the creditor account authentication unit 140 reads the account information of the creditor, identifies the financial institution in which the creditor's financial account corresponding to the account information of the creditor is established (however, Based personal inter-company transaction of the electronic document is provided only to customers of the financial institution through a specific financial institution, the financial institution identification procedure may be omitted), and the financial server 190 corresponding to the identified financial institution transmits the creditor The name of the financial account corresponding to the account information of the creditor is requested through the financial server 190 to request recognition of the customer name corresponding to the personal information of the creditor authenticated by the principal, If the name of the financial account corresponding to the creditor's account information from the financial server 190 is the identity of the creditor himself / herself It is provided.

According to the embodiment of the present invention, the creditor account name authentication through the creditor account authentication unit 140 can be simplified to omit at least a part of the creditor account name authentication process or the debtor account name authentication process, thereby not limiting the present invention. Preferably, the creditor account name authentication procedure may be provided at a level that is comparable to a normal non-face financial transaction before an inter-personal borrowing transaction occurs.

If the identity of the creditor is authenticated (omitted) via the creditor's identity authentication unit 135 and the creditor's financial account name is authenticated (omitted) through the creditor account authentication unit 140, the electronic document creation unit The electronic document transfer unit 125 may generate an electronic document for charter including the personal information and the account information of the authenticated creditor based on the charter electronic document created by the debtor, To the creditor terminal (185), and the creditor terminal (185) receives the document for the chartered credit and displays it through the creditor related charter related interface. Meanwhile, in the case where the personal information and the account information of the creditor included in the chartered electronic document created by the debtor are used and authenticated, the process of generating the chartered electronic document or transferring it to the creditor terminal 185 may be omitted, Is not limited.

On the other hand, if the creditor terminal 185 receives an amendment to the chartered electronic document through the creditor-side charterer-related interface (for example, adding / modifying the creditor's personal information, adding / modifying the creditor's account information, Partial modification, etc.), the creditor terminal 185 may transmit the modified chartered electronic document to the operating server 100 through the creditor-side purport related interface.

Referring to FIG. 1, the operation server 100 receives an IOU document modified by the creditor from the creditor terminal 185 that has received the IOE document, or transmits the modified IOE document to the debtor terminal To the creditor terminal (180), and then receives the corrected amendment electronic document from the debtor terminal (180) and transmits it to the creditor terminal (185) at least once, (150) for receiving from the creditor terminal (185) approval information on the chartered electronic document, a creditor approval confirmation unit (150) for receiving the charter amount from the creditor's financial account on the basis of the approved chartered electronic document, And a borrower who performs a financial procedure for linking the withdrawal transaction for withdrawing the borrower's money to the borrower's financial account And an electronic document storage unit (165) for performing a procedure of storing the electronic document for use in the financial procedure in a designated electronic document storage medium, wherein the electronic document storage unit (165) A borrower transaction authentication unit 155 that performs at least one of the borrower-related authentication procedures of the account name authentication and / or the electronic signature process using the debtor's certificate.

The electronic document exchange unit 145 receives the modified chartered electronic document from the creditor terminal 185 and transmits the modified chartered electronic document to the creditor terminal 185. [ To the debtor terminal (180). If the debtor terminal 180 is connected to the debtor terminal 180 at the time of receiving the modified to-do list electronic document, the electronic document exchange unit 145 can immediately provide the modified deboucher electronic document to the debtor terminal 180 If the debtor terminal 180 is not connected, the electronic document exchange unit 145 transmits the modified electronic document to the debtor (not shown) through a procedure corresponding to the operation procedure of the electronic document transfer unit 125, And provides it to the terminal 180.

The debtor terminal 180 displays the interface with the debtor side that allows the borrower side to modify the corrected borrowing e-document and / or to further modify the content modified by the creditor side. Preferably, the debtor terminal 180 may display the IOU document through the debtor-side inquiry-related interface.

If the debtor terminal 180 inputs / selects the agreement information to agree with the modification of the chartered electronic document modified by the creditor through the debtor-side charterer-related interface, the electronic document exchange unit 145 From the debtor terminal 180, the consent information of the debtor with respect to the electronic document for debtor, and provide the electronic ID document including the same to the creditor terminal 185.

Meanwhile, when the debtor terminal 180 further modifies and transmits the modified chartered electronic document from the creditor side via the debtor-side charterer-related interface, the electronic document exchange unit 145 receives the addition And may provide the modified modified chartered electronic document to the creditor terminal 185. The modified chartered electronic document may be provided to the creditor terminal 185. [ The electronic document exchange unit 145 may exchange the electronic document for at least one time between the debtor terminal 180 and the creditor terminal 185 so that both the debtor and the creditor can perform the exchange of the electronic document between the debtor terminal 180 and the creditor terminal 185. [ Can be repeated until agreement is reached.

According to the method of the present invention, the authentication process of the debtor, the account name of the debtor, and / or the authentication process of the account name of the debtor during the exchange of the above-mentioned electronic document between the debtor terminal 180 and the creditor terminal 185 And / or the electronic signature procedure of the debtor may be performed.

The creditor terminal 185 transmits the charterer's approval information for the chartered electronic document while the charterer's electronic document is exchanged between the creditor terminal 180 and the creditor terminal 185 through the electronic document exchange unit 145 The creditor approval confirmation unit 150 receives the charter approval information for the chartered electronic document from the creditor terminal 185. [

According to an embodiment of the first disclosure of the present invention, the creditor terminal (185) displays the electronic document of the forgery transmitted / exchanged through the user interface of the creditor side, and the creditor displays the designated area The creditor terminal 185 can transmit to the operation server 100 the charterer's approval information corresponding to the designated operation of the creditor.

The creditor terminal 185 may determine whether the creditor own (or carried) medium or the creditor's own certificate (for example, the creditor's own certificate for the financial transaction) included in the creditor terminal 185 The electronic signature of the creditor for the electronic document of the charterer, and transmits the charterer's approval information with the electronic signature attached to the charterer's electronic document to the operation server 100. [

According to an embodiment of the present invention, the creditor terminal 185 receives the previously registered creditor PIN information, and transmits to the creditor terminal 185 the information about the charterer's credit including the entered PIN information (or the creditor's PIN To the operation server 100, the approval request information including the authentication result of the authentication procedure performed by the terminal 185).

According to the fourth disclosure example of the present invention, the creditor terminal 185 can transmit to the operation server 100 the charterer's approval information in the form of a combination of two or more of the first to third permits have.

When the creditor terminal 185 transmits the charterer's approval information according to any one of the first to fourth charterer's approval embodiments, the creditor's approval confirmation unit 150 confirms the charterer's approval from the creditor terminal 185 Information is received.

The creditor approval confirmation unit 150 reads out the charterer's approval information received from the creditor terminal 185 and authenticates the validity of the charterer's approval information. For example, when the electronic signature of the creditor is attached to the electronic document of the charterer, the creditor approval confirmation unit 150 may verify the validity of the electronic signature of the creditor attached to the chartered electronic document.

The electronic document storage unit 165 temporarily stores the approved electronic document to the extent that the borrowing transaction is completed, or the electronic document storage unit 165 stores the approved electronic document in a state where the approved transaction is completed before the borrowing transaction is completed, It is possible to perform a procedure of storing the electronic document in the designated electronic document storage medium.

On the other hand, if the validity of the chartered account approval information is authenticated, the borrower transaction processing unit 160 acquires the chartered electronic document from the creditor's financial account corresponding to the creditor account information included in the chartered electronic document on the basis of the approved chartered electronic document And a financial transaction for linking the receipt transaction for receiving the borrowing amount to the financial account of the debtor corresponding to the account information of the debtor included in the electronic document for borrowing, And the borrowing transaction authentication unit 155, during the financial procedure (for example, a receiving transaction), performs a borrower's own authentication process and / or a borrower account name authentication procedure and / or a borrower account authentication process for receiving the borrowing amount as the financial account of the debtor By performing at least one of the electronic signature of the debtor for the transaction, It can strengthen the creditor-related certification. In other words, in the case of a conventional account transfer transaction, it is characterized in that the creditor is authenticated, the integrity of the creditor's transaction is verified, and the denial of the creditor's transaction is prevented. On the contrary, the present invention is characterized in that the borrower's financial account Or the borrower's financial account, and adding / strengthening the credentials related to the debtor with respect to the receiving transaction, thereby preventing the occurrence of an inter-personal borrowing transaction (Such as voice phishing, financial fraud, impersonation, etc.), and even if any financial accidents happen, by imposing the responsibility on the debtor, not the creditor, So that it can be preserved. That is, the present invention basically means that the borrower can not receive the borrowing amount if all the credits related to the borrower are not established in the receiving transaction process, and even if the borrower illegally receives the illegal payment, the borrower can not use the borrowed money It provides a legal basis for compensation.

According to the embodiment of the present invention, the borrower transaction processing unit 160 can check (omit) the financial server 190 corresponding to the creditor's financial institution based on the creditor account information included in the approved electronic coupon document , In association with the creditor's financial server (190), withdraws an amount corresponding to the borrowing amount included in the chartered electronic document from the creditor's financial account corresponding to the creditor account information, and transfers the designated relay account (for example, an escrow account or a creditor A virtual account associated with a financial account of a financial institution, or a virtual account associated with a management account of a financial institution). If the creditor requests cancellation or cancellation of the electronic document for debenture in the state that the borrowing amount is deposited in the relay account, the borrowed amount deposited in the relay account can be restored to the creditor's financial account at any time.

According to the method of the present invention, when the borrowing amount is deposited in the relay account, the borrower transaction processing unit 160 transmits, to the at least one debtor terminal 180 used by the debtor, Or notify that the borrowing amount has been deposited in the account or notify the borrower terminal 180 of a receipt transaction request for receipt of the borrowed amount deposited in the relay account. Meanwhile, if the borrower terminal 180 is connected to the operation server 100 and the borrowing amount is deposited in the relay account, the notification procedure may be omitted.

If the debtor terminal 180 requests the receiving transaction for the deposited amount in the relay account, the borrower transaction processing unit 160, in cooperation with the borrower transaction authentication unit 155, The authentication process can be performed.

According to the first embodiment of the present invention, the borrowing transaction authentication unit 155 receives and receives the personal information of the debtor from the debtor terminal 180, And the personal information of the debtor is provided to a server of a designated real name certification authority (for example, a mobile communication company, a financial institution, a credit information institution, or the like) according to the implementation method, It is possible to carry out a procedure for processing the real name authentication of the debtor based on the above.

According to the second embodiment of the present invention, the borrowing transaction authentication unit 155 uses two or more terminals (or terminal media) connected to different heterogeneous communication networks among two or more terminals used by the debtor, The user can perform an authentication procedure for authenticating the user. For example, the borrowing transaction authentication unit 155 may send an authentication number to a wireless terminal such as a mobile phone owned by a debtor, receive the received authentication number through the wire terminal of the debtor, and perform a procedure for authentication.

According to the third embodiment of the present invention, the borrowing transaction authentication unit 155 may be a terminal capable of multiple access to heterogeneous heterogeneous communication networks among the terminals used by the debtor (for example, Phone, etc.) can be used to perform an authentication procedure to authenticate the identity of the debtor. For example, the borrowing transaction authentication unit 155 may transmit an authentication number to a smartphone of a debtor via a telephone network, input the received authentication number through a smartphone of a debtor, and receive and authenticate through a data network have.

According to the fourth embodiment of the present invention, the borrowing transaction authentication unit 155 may be configured to use different types of media (for example, a mobile phone / smartphone used by a debtor, etc.) among two or more media that the debtor uses (Eg, a contactless IC card, an RF card, an NFC card, an NFC-OTP card, a BLE medium, or the like) that can be interfaced with the terminal medium of the debtor, The borrower transaction authentication unit 155 may be configured to authenticate the borrower using the smartphone of the borrower, for example, by using the RFID tag, A procedure for receiving and authenticating the authentication code recognized from the portable medium can be performed.

According to an embodiment of the present invention, the borrowing transaction authentication unit 155 may be a one-time password (OTP) medium (for example, an OTP generator, a mobile phone / A smart phone, a card having an OTP generation function, or the like) through the terminal of the debtor, receives and receives the OTP through the terminal of the debtor, and performs the authentication procedure for authenticating the debtor.

According to the sixth embodiment of the present invention, the borrowing transaction authentication unit 155 may be configured to authenticate the borrower's own certificate (for example, a financial transaction for a financial transaction) provided in a terminal owned by a debtor or owned by a debtor Certificate authentication based on the certificate of the borrower, etc.).

According to the seventh embodiment of the present invention, the borrowing transaction authentication unit 155 may be configured to at least partially combine or modify at least two of the first through sixth embodiments, The present invention is not limited to the method of authenticating the identity of the debtor or the specific embodiment. That is, it is clear that the borrowing transaction authentication unit 155 includes all existing methods of authenticating the identity of the debtor, or all future authentication methods implemented by improving / modifying the same. For example, at least one embodiment among the first to seventh creditor authentication embodiments may be arbitrarily (or dynamically) selected / determined and processed.

According to the embodiment of the present invention, the receiving transaction can be provided only when the debtor corresponding to the personal information of the debtor through the borrowing transaction authentication unit 155 is the debtor. That is, the electronic document-based inter-personal borrowing transaction of the present invention separates or links the withdrawal transaction to the financial account of the creditor and the receipt transaction to the financial account of the debtor, but separately performs or carries out authentication related to the debtor Thus, it is possible to solve various financial accidents caused by borrowers' transactions. Since the debtor will be willing to bear all such procedures regardless of the complexity of the authentication procedure, the present invention segregates or links the withdrawal transaction and the receiving transaction, but at least enhances the authentication process for the debtor against the receiving transaction, (For example, voice phishing, financial fraud, impersonation, etc.) that may occur in an inter-personal borrowing transaction can be prevented in advance.

Or the borrower terminal 180 requests the receipt transaction for the borrowed amount deposited in the relay account, the borrower transaction processing unit 160, in cooperation with the borrower transaction authentication unit 155, The account name authentication process for the account can be performed.

According to the method of the present invention, the borrower transaction authentication unit 155 receives the account information of the debtor from the debtor terminal 180 and receives (or performs, according to the method of performing, the account information of the debtor for the receipt transaction A financial account, a virtual account, etc.), and authenticates whether the account information of the debtor matches the account information of the borrower in the above-mentioned electronic document for borrowing (if a new account is opened, A procedure for creating, exchanging and approving documents can be additionally performed). In accordance with the method, the borrower's account information is read out to identify the financial institution in which the financial account of the debtor corresponding to the account information of the debtor is established And providing the personal information and the account information of the debtor to the financial server 190 corresponding to the identified financial institution, The name of the financial account corresponding to the account information of the debtor is requested through the server 190 for the authentication of the customer name corresponding to the personal information of the debtor who is authenticated by the user and from the financial server 190 to the account information of the debtor The name of the corresponding financial account is given as the result of the identification of the person himself or herself being the authenticated borrower.

According to the embodiment of the present invention, the receiving transaction can be provided only when the debtor corresponding to the account information of the debtor is the original person's name through the borrowing transaction authentication unit 155. [ That is, the electronic document-based inter-personal borrowing transaction of the present invention separates or links the withdrawal transaction to the financial account of the creditor and the receipt transaction to the financial account of the debtor, but separately performs or carries out authentication related to the debtor Thus, it is possible to solve various financial accidents caused by borrowers' transactions. Since the debtor will be willing to bear all such procedures regardless of the complexity of the authentication procedure, the present invention segregates or links the withdrawal transaction and the receiving transaction, but at least enhances the authentication process for the debtor against the receiving transaction, (For example, voice phishing, financial fraud, impersonation, etc.) that may occur in an inter-personal borrowing transaction can be prevented in advance.

Or if the borrower terminal 180 requests an acceptance transaction for the borrowed amount deposited in the intermediary account, the borrower transaction authentication unit 155 transmits the approved acceptance transaction to the debtor terminal 180 for the acceptance transaction And request the electronic signature of the debtor for the received transaction information. The debtor terminal 180 may receive the debtor's transaction information through the debtor's own certificate (for example, an authorized certificate for financial transactions) provided in the debtor's terminal (180) The electronic signature of the debtor can be generated, and the electronic signature can be attached to the receipt transaction information and transmitted to the operation server 100. The borrowing transaction authentication unit 155 may verify the electronic signature of the debtor received from the debtor terminal 180 to prevent the debtor's denial of the receipt transaction.

On the other hand, when the debtor terminal 180 requests the receiving transaction for the deposited amount in the relay account, the borrower transaction authentication unit 155 notifies the debtor terminal 180 of the accepted borrowing e- And request the electronic signature of the debtor for the above-mentioned IUE document. The borrower terminal 180 transmits the borrower's electronic document through the borrower's own (or portable) medium or a certificate of the borrower's own (for example, an official certificate for financial transactions) provided in the debtor terminal 180 The electronic signature of the debtor can be generated, and the electronic signature of the debtor can be attached to the electronic signature of the user and transmitted to the operation server 100. The borrowing transaction authentication unit 155 may verify the electronic signature of the debtor received from the debtor terminal 180 to prevent the debtor's denial of the borrowing transaction including the receiving transaction.

According to the embodiment of the present invention, a procedure of attaching or verifying the electronic signature of the debtor to the receipt transaction information in response to the receipt transaction request and a procedure of attaching or verifying the electronic signature of the debtor to the electronic signature of the borrower, It is possible to selectively process one of the procedures, to integrate each digital signature procedure, or to process each digital signature procedure in a specified order, and thus the present invention is not limited thereto.

The borrowing transaction processing unit 160 performs a specified authentication procedure for receiving the borrowed amount deposited in the relay account through the borrowing transaction authentication unit 155 to the debtor's financial account, (Omitted) the financial server 190 corresponding to the financial institution of the debtor based on the debtor account information included in the document, and in cooperation with the financial server 190 of the debtor, (For example, transfer or deposit) the amount corresponding to the borrowing amount included in the electronic document for borrowing to the debtor's financial account corresponding to the debtor account information.

Meanwhile, according to the extended method of the present invention, the borrower transaction processing unit 160 notifies the creditor terminal 185 of the receipt of the borrowing amount to the financial account of the debtor, The creditor terminal 185 may request the use of the borrowed money amount received from the creditor terminal 185 before the use of the borrowing amount is permitted from the creditor terminal 185. In this case, You can set a blocking lock. In this case, if the creditor does not allow the borrower to use the borrowed money received from the borrower's financial account, the borrower's deposit remains in the financial account but is transferred to another account or transferred to the cash- ) To withdraw cash and to cash it out. However, if the creditor allows the borrower to use the borrowed amount received from the borrower's financial account, transfer to another account or cash withdrawal may become possible. This measure is characterized by the fact that the borrower borrows the borrowing amount and finally approves the borrowing transaction again, thereby protecting the money borrowed by the creditor. However, this final approval method is not essential and may be omitted depending on the implementation method.

Meanwhile, if the borrower has received the borrowing amount, the borrower transaction processing unit 160 notifies the debtor terminal 180 of the fact that the borrower has deposited the borrowing amount to the debtor's financial account by the receiving transaction And the borrower may use the borrowing amount received to the debtor's financial account.

According to an embodiment of the present invention, the electronic document storage unit 165 stores an electronic document for borrowing used in financial procedures performed through the borrowing transaction processing unit 160 in cooperation with the electronic document server 195, It can be stored in the medium. The electronic document for debenture stored in the electronic document storage medium has a legal status equal to that provided for by the law.

Referring to FIG. 1, the operation server 100 includes a procedure for confirming whether a financial transaction related to interest payment is generated for the borrowing transaction based on an electronic document for debenture stored in the electronic document storage medium, A payment process of calculating the interest amount based on the above-mentioned electronic document for borrowing upon receipt of a business transaction, withdrawing the interest amount from the designated account of the borrower and depositing the interest amount into the designated account of the creditor, An interest payment confirmation process for confirming the transaction fact of depositing the interest amount, and an interest payment processing unit 170 for performing at least one of the procedures of the creditor's tax payment procedure corresponding to the payment of the interest amount of the debtor upon payment of the interest amount of the debtor .

After the borrowing amount withdrawn from the creditor's financial account is received on the debtor's financial account (or after the electronic document is stored on the electronic document storage medium), the interest reimbursement processing unit 170 ) Checks whether the interest-related financial service related to the borrowing transaction occurs on the basis of the chartered electronic document stored in the electronic document storage medium. Preferably, the interest-reimbursement processing unit 170 can confirm whether or not it is at the interest payment date and time included in the chartered electronic document stored in the electronic document storage medium.

When the occurrence of the interest payment related financial service occurrence is confirmed, the interest payment processor 170 calculates the interest amount to be paid to the creditor by the debtor based on the above-mentioned electronic document for borrowing, and transmits the designated account of the debtor (for example, (Or an account designated by the debtor as an account for interest payment through an electronic document for borrowing), and transfers the calculated interest amount to a designated account of the creditor (for example, a financial account of the creditor or a creditor (Such as an account designated for receipt).

The interest payment processor 170 calculates the amount of interest to be paid to the creditor by the debtor based on the electronic document for borrowing and transmits the interest amount to the designated financial account for the interest payment of the debtor (For example, a financial account of a debtor or an account designated by a debtor as an account for interest payment through an electronic document for borrowing), or a designated account of a creditor to whom the interest amount is paid (for example, a financial account of a creditor or a creditor A payment confirmation process for confirming the fact that the interest amount is withdrawn from the designated account of the debtor and deposited in the designated account of the creditor, The transaction details of the designated account are read out and transferred to the person who has deposited the debtor. And can perform the interest payment verification process confirms that the fact that the transactions comprising the calculated amount of interest in the deposit amount.

According to the method of the present invention, the interest-paying processing unit 170 generates a interest-paid electronic document corresponding to the interest amount payment of the debtor at the time of confirming the interest amount payment, To be stored in the document storage medium.

On the other hand, if the interest payment procedure fails or the interest payment is not yet confirmed, the interest payment processor 170 may notify the creditor terminal 185 of information corresponding to the failure of the interest payment procedure or the unauthorized payment of interest.

On the other hand, at the time of confirming the interest amount payment, the interest reimbursement processing unit 170 calculates a tax based on the interest income incurred by the creditor in response to the interest amount payment of the debtor, and calculates the tax payment procedure for the tax of the creditor Can be performed. This allows the creditor to be free from tax evasion of interest income and prevent the debtor from refusing interest payment based on suspicions of creditors' tax evasion.

Referring to FIG. 1, the operation server 100 includes a procedure for confirming whether a borrowing amount related to a borrowing amount reimbursement has occurred based on an electronic document for borrowing stored in the electronic document storage medium, The borrower checks or calculates the amount of redemption on the basis of the electronic document for borrowing, withdraws the redemption amount from the designated account of the debtor and deposits the redemption amount into the designated account of the creditor, A money reimbursement process for checking at least one transaction of the amount paid by the debtor to the creditor terminal 185 upon repayment of the amount of the debtor, 175).

After the borrower's money amount withdrawn from the financial account of the creditor is received on the financial account of the debtor based on the electronic document for borrowing (or after the electronic document for debtor is stored in the electronic document storage medium), the money reimbursement processing unit 175 ) Checks whether the borrowing-related reimbursement-related financial service for the borrowing transaction occurs based on the electronic document stored in the electronic document storage medium. Preferably, the amount reimbursement processing unit 175 can confirm whether or not the reimbursement date and time included in the chartered electronic document stored in the electronic document storage medium arrives at the reimbursement date and time.

Upon confirmation of the occurrence of the financial service related to the repayment of the borrowed amount, the amount repayment processing unit 175 calculates a repayment amount (for example, a part of the borrowed amount or the principal amount of the borrowed amount (For example, a financial account of the debtor or an account designated by the debtor as an account for repayment of money through an electronic document for borrowing), and transfers the calculated amount of repayment to the designated account of the creditor For example, a financial account of a creditor or an account designated by a creditor to receive a repayment amount through an electronic document for borrowing) may be carried out. According to the embodiment of the present invention, in conjunction with the interest reimbursement processing unit 170 in accordance with the interest reimbursement method or the borrowing amount reimbursement method of the chartered electronic document in conjunction with the amount reimbursement processing unit 175, It is possible to process the repayment of the amount, and thus the present invention is not limited thereto.

Or when the occurrence of the borrowing amount reimbursement-related financial service occurrence is confirmed, the amount reimbursement processing unit 175 calculates a reimbursement amount (for example, a portion of the borrowing amount or the amount of the borrowing amount) (For example, a financial account of the debtor or an account designated by the debtor as an account for repayment of the amount through an electronic document for borrowing) for repayment of the amount of the debtor, or payment of the repayment amount (For example, a financial account of a creditor or an account designated by a creditor to receive a repayment amount through an electronic document for borrowing) from the designated account of the creditor to which the repayment amount has been withdrawn from the designated account of the debtor, The amount of money to confirm the fact of the transaction to be deposited into the account, The transaction details of the designated account of the lender can be read, the borrower may be included as the person who has deposited the borrower, and the reimbursement fact confirmation process may be performed to check whether the reimbursement amount exists in the transaction details including the deposit amount. According to the embodiment of the present invention, in conjunction with the interest reimbursement processing unit 170 in accordance with the interest reimbursement method or the borrowing amount reimbursement method of the chartered electronic document in conjunction with the amount reimbursement processing unit 175, It is possible to process the reimbursement of the amount together, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the amount reimbursement processing unit 175 generates a reimbursement electronic document corresponding to the repayment amount payment of the debtor at the time of confirming the reimbursement amount payment, To be stored in the document storage medium.

On the other hand, if the money reimbursement procedure fails or the money reimbursement fact is not confirmed, the money reimbursement processing unit 175 may notify the creditor terminal 185 of information corresponding to the failure of the reimbursement procedure or the fact that the reimbursement is not confirmed.

On the other hand, upon confirming the payment of the redemption amount, the redemption processing unit 175 may notify the creditor terminal 185 of the redemption of the debtor. According to the method of the present invention, when it is confirmed that the principal amount of the borrowing amount corresponding to the above-mentioned borrowing date electronic document is fully redeemed through the amount reimbursement procedure and / or the amount reimbursement fact confirmation procedure and there is no interest delinquency, The control unit 175 generates a redeemed electronic document to be stored in the electronic document storage medium through the electronic document server 195 or performs a procedure of discarding the electronic document stored in the electronic document storage medium .

FIG. 2 is a flowchart illustrating an electronic document creation process according to an exemplary embodiment of the present invention.

FIG. 2 illustrates a process in which the operation server 100 processes a debtor's identity and an account name in cooperation with a debtor terminal 180, and then generates an electronic document for a charter based on the result of the processing. Those skilled in the art will be able to refer to and / or modify the FIG. 2 to understand the various ways of generating the electronic document for IOUs (e.g., omitting some steps or changing the order) However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 2, the debtor terminal 180 includes creditor information for borrowing money from the debtor through the chartering creation interface, and includes personal information and account information of the debtor, and borrower information for borrowing money from the creditor And transmits it to the operation server 100 (200).

The operation server 100 receives the borrower's authentication information created by the borrower from the debtor terminal 180 and verifies the borrower's identity based on the personal information of the borrower (210). Preferably, the operation server 100 can perform the personal identification process of the obligor through at least one of the first to seventh personal identification methods of the present invention (step 210) Accordingly, the terminal used by the debtor may be used during the self-identification process of the debtor (210). If the borrower's identity authentication fails to the debtor, the operation server 100 cancels the generation of the chartered electronic document corresponding to the charter information and / or a series of designated procedures for re-creation of the chartered electronic document And the debtor terminal 180 performs a cancellation cancellation and / or re-creation procedure (215).

On the other hand, if the borrower is successfully authenticated by the borrower, the operation server 100 interoperates with the financial server 190, which is specified based on the personal information of the borrower and the account information included in the information on the borrowing, The name of the corresponding financial account is authenticated (step 220). If the borrower's account name fails to be authenticated to the financial account of the debtor, the operation server 100 may cancel the generation of the chartered electronic document corresponding to the charter information and / or a series of re-creation of the chartered electronic document , And the debtor terminal 180 performs a cancellation cancellation and / or re-creation procedure (225).

If the authentication of the borrower is successful and the account name is successfully authenticated, the operation server 100 confirms that the borrower has borrowed the borrowed money from the creditor based on the borrowing information, (230). Preferably, the operation server 100 may generate 230 anonymous document through at least one of the first to fourth embodiments of the present invention,

If the chartered electronic document is generated, the operating server 100 may provide the chartered electronic document to the debtor terminal 180 and request an electronic signature through the certificate of the debtor (235). The debtor terminal 180 may receive and output the IOU document, and process the electronic signature of the debtor in the IOU document using the certificate of the debtor (240). If the electronic signature of the debtor is processed in the electronic document for the charter, the debtor terminal 180 attaches the electronic signature of the debtor to the electronic signature on the charter document and transmits it to the operation server 100 (245).

The operation server 100 receives the electronic signature of the debtor with the electronic signature of the debtor 180 from the debtor terminal 180 and verifies the electronic signature of the debtor electronic signature of the electronic signature of the deboucher 280 . If the electronic signature of the debtor is not verified, the operation server 100 cancels the generation of the electronic version of the electronic bill of lading corresponding to the bill of lading information and / or performs a series of designated procedures for re-creating the electronic bill of lading , The debtor terminal 180 performs a cancellation cancellation and / or re-creation procedure (260).

FIG. 3 is a flowchart illustrating an electronic document exchange procedure according to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating a process of exchanging an electronic document for a user between a creditor and a debtor to settle the contents of the user's IOU. As shown in FIG. 3 and FIG. 3, Or variations may be made to various embodiments of the electronic document exchanging process (e.g., omitting some steps or changing the order). However, the present invention includes all of the above-described embodiments. And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 3, when the electronic document is generated (or digital signature is verified) through the process shown in FIG. 2, the operation server 100 identifies the creditor of the electronic document for debenture (300) The electronic document is transmitted to the creditor terminal 185 according to the document terminal method (305).

The creditor terminal 185 receives the above-mentioned IOU document and displays it on the designated creditor side IO interface (310). If the creditor's personal information and / or account information is requested to be registered and / or modified (315) on the creditor's electronic inquiry-related interface through the creditor-side inquiry-related interface, the operation server 100 registers and / (320) the personal information and / or the account information of the requested creditor to the operating server 100. The operating server 100 transmits the personal information and / or account information of the creditor to the operating server 100, (325), and may provide the credit-granting electronic document including valid personal information and / or account information of the creditor to the creditor terminal 185 (330). The creditor's own authentication procedure and / or the account name authentication procedure with respect to the creditor may be performed in order to generate the chartered electronic document including valid personal information and / or account information of the creditor according to the embodiment of the present invention, The present invention is not limited thereto.

On the other hand, if the creditor terminal 185 corrects the above-mentioned charter's electronic document through the creditor-side charterer-related interface (335), the creditor terminal 185 transmits the charterer's electronic document modified through the creditor- (340), and the operating server (100) receives the modified chartered electronic document from the creditor and transfers it to the debtor terminal (345). The debtor terminal 180 receives the electronic document for borrowing and displays the electronic document through the designated borrower-side request-related interface (350).

If the borrower terminal 180 further modifies the borrower's electronic document through the borrower's orphan account related interface at step 355, the borrower terminal 180 transmits the additional borrowed electronic document through the borrower- (360), and the operation server 100 receives the further modified borrowing electronic document from the debtor side and transfers it to the creditor terminal 185 (365). In this case, the debtor terminal 180 receives the above-mentioned IOU document and displays it on the creditor-side IO interface (370), and confirms whether or not the creditor has approved the IOE document via the interface with the creditor IO (380). According to the embodiment of the present invention, the creditor's own authentication procedure and / or the account name authentication procedure and / or the electronic signature or verification procedure with respect to the creditor can be performed However, the present invention is not limited thereto.

On the other hand, if the borrower terminal 180 which has received the above-mentioned electronic document for borrowing agrees with the creditor side modification contents of the above-mentioned electronic document for borrowing by means of the above-mentioned borrower side inquiry related interface (385) The acceptance electronic document is transmitted to the operation server 100 in operation 390 and the operation server 100 receives the agreement electronic document accepted by the debtor and transmits it to the creditor terminal 185 in operation 395. In this case, the creditor terminal 185 receives the electronic document for lending and displays it on the interface of the creditor side with the charterer's side (370), and confirms whether or not the creditor has approved the digital certificate of the charterer through the interface related to the charterer's side (380). According to the embodiment of the present invention, the creditor's own authentication procedure and / or the account name authentication procedure and / or the electronic signature or verification procedure with respect to the creditor can be performed However, the present invention is not limited thereto.

FIG. 4 is a diagram illustrating a borrowing electronic document-based borrowing transaction process according to an embodiment of the present invention.

More specifically, FIG. 4 illustrates a process of withdrawing the borrowing amount from the creditor's financial account based on the creditor's electronic document based on the creditor's approval information on the electronic document for borrowing, depositing it in the intermediary account, and linking it with the receiving transaction Those skilled in the art will be able to refer to and / or modify FIG. 4 to illustrate various implementations of the electronic document-based borrower transaction process (e.g., some steps may be omitted, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 4, when the creditor terminal 185 transmits the approval information for the chartered electronic document (400) based on the process shown in FIG. 3, the operation server 100 transmits approval information (405), and performs a procedure for checking validity (410). If the creditor's approval information for the electronic document for the charter is authenticated, the operation server 100 temporarily stores the approved electronic document in the electronic document storage medium (or can store the electronic document in the electronic document storage medium according to an implementation method) (415).

The operating server 100, in cooperation with the designated financial server 190, withdraws an amount corresponding to the borrowing amount of the chartered electronic document from the creditor's financial account corresponding to the creditor account information of the chartered electronic document, (420), and the financial server (190) performs a financial procedure of withdrawing the borrowing amount from the creditor's financial account and depositing the borrowed amount in the designated relay account (420).

If the withdrawal amount from the financial account of the creditor is deposited in the designated relay account, the operation server 100 sends a notice requesting the borrower of the borrowing electronic document to request receipt of the borrowing amount (425).

The debtor terminal 180 confirms the receipt transaction request notification 430 and requests the operation server 100 for a receipt transaction for the borrowing amount based on the receipt transaction request notification 435, (100) confirms the receipt transaction request of the debtor (440).

The operation server 100 carries out an authentication process of the borrower who authenticates the borrower himself / herself based on the personal information of the borrower (445). Preferably, the operation server 100 can perform the self-identity verification process of the debtor through at least one of the first to seventh self-identity verification embodiments of the present invention (step 445) Accordingly, the terminal used by the debtor may be used during the self-identification process of the debtor (445). If the borrower's identity verification fails with respect to the debtor, the operation server 100 performs a designated procedure for canceling the receiving transaction, and the debtor terminal 180 performs a receiving transaction cancellation procedure ( 450).

On the other hand, if the borrower is successfully authenticated to the borrower, the operation server 100 interoperates with the financial server 190, which is designated based on the personal information of the borrower and the account information, to access the financial account corresponding to the account information of the debtor (455) the name of the account that authenticates the name of the person himself / herself. If the borrower's account name fails to be authenticated to the financial account of the debtor, the operation server 100 performs a series of designated procedures for canceling the receiving transaction, (460).

FIG. 5 is a diagram illustrating a borrowing electronic document-based borrowing transaction process according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates a process of associating a withdrawal transaction performed through the process shown in FIG. 4 with a receipt transaction on the debtor side. If a person skilled in the art is familiar with the present invention, It is possible to refer to and / or modify Figure 5 to various implementations of the electronic document-based borrower transaction process (e.g., omitting some steps or changing the order) All the methods of implementation are included, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 5, if the process shown in FIG. 4 is performed after the withdrawal transaction is performed, a receipt transaction associated with the withdrawal transaction is requested from the debtor and / or the identity verification process of the debtor who requested the receipt transaction and / The operation server 100 requests the debtor terminal 180 to electronically sign the debtor's electronic signature of the received transaction information (or the electronic ID document for borrowing) for the requested receiving transaction (500) 180 processes the debtor's digital signature on the receipt transaction information (or the chartered electronic document) using the debtor's certificate (505).

If the electronic signature of the debtor is processed, the debtor terminal 180 attaches the electronic signature of the debtor to the receipt transaction information (or the electronic signature of the charter) (510). The operation server (100) receives the debtor digital signature for the receiving transaction and verifies the validity (510). If the validity of the debtor digital signature is not verified, the operating server 100 performs a designated procedure for canceling the receiving transaction, and the debtor terminal 180 performs a receiving transaction cancellation procedure 520 ).

Meanwhile, when the validity of the debtor digital signature is verified, the operation server 100, in cooperation with the designated financial server 190, determines whether the digital signature of the debtor is designated by the process shown in FIG. 4 based on the received transaction information The borrower deposits the borrowed amount deposited in the relay account to the borrower's financial account corresponding to the borrower's account information included in the above-mentioned borrowing electronic document (525), and the financial server (190) And then deposits the money into the financial account of the debtor (525).

When the borrower has deposited the borrowing amount into the financial account of the debtor, the operation server 100 performs a procedure of storing the electronic document on the designated electronic document storage medium in cooperation with the electronic document server 195 (530) . The operating server 100 may provide the receiving transaction result to the debtor terminal 180 in operation 535 and the debtor terminal 180 may receive and output the receiving transaction result in operation 540. Alternatively, the operating server 100 may provide the receiving transaction result to the creditor terminal 185 (545), and the creditor terminal 185 may receive and output the receiving transaction result (550).

FIG. 6 is a diagram illustrating a process of interest-based electronic document-based interest payment according to an embodiment of the present invention.

6, if the creditor borrows a borrowing amount from the borrower based on the electronic document for borrowing through the process shown in FIGS. 2 to 5, the operation server 100 reads the interest amount The present invention will be described with reference to FIG. 6 and / or modified by the person skilled in the art to calculate the electronic document based interest It will be appreciated that various embodiments of the payment process may be inferred (e.g., some steps are omitted or the order is changed), but the present invention encompasses all of the above- The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 6, if the creditor borrows a borrowing amount from the borrower based on the electronic document for irregular use through the process shown in FIGS. 2 to 5, the operation server 100 transmits the borrowing e- Based on the document, it is checked whether a financial transaction related to the interest payment for the borrowing transaction occurs (600).

When the occurrence of the interest payment related financial transaction is confirmed, the operation server 100 calculates the interest amount based on the IOU document (605), and, in cooperation with the designated financial server (190) (610). The financial server (190) executes a financial procedure for withdrawing the interest amount from the designated account of the debtor and depositing the interest amount into the designated account of the creditor (610).

If interest payment for the interest amount is processed from the designated account of the debtor to the designated account of the creditor, the operation server 100 generates a interest payment electronic document corresponding to the interest payment, (615), and the taxpayers' payment procedure corresponding to the interest amount payment can be performed (620).

If the interest payment for the interest amount is not processed from the designated account of the debtor to the designated account of the creditor, the operation server 100 notifies the creditor terminal 185 of the information corresponding to the interest payment failure ( 625), the creditor terminal 185 may receive and output information corresponding to the interest payment failure (630).

FIG. 7 is a diagram illustrating an interest payment process based on an electronic document according to another embodiment of the present invention.

In more detail, FIG. 7 shows a case where a creditor borrows a borrowing amount from a borrower based on an unauthorized electronic document through the process shown in FIGS. 2 to 5, 7 is a flowchart illustrating a process of confirming the fact that the calculated interest amount is deposited from the debtor to the designated account of the creditor. As shown in FIG. 7 and FIG. 7, The present invention is not limited to the above embodiments, and various modifications may be made without departing from the spirit and scope of the present invention. And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, if the creditor borrows a borrowing amount from the borrower based on the electronic document for borrowing through the process shown in FIGS. 2 to 5, the operation server 100 transmits the borrowing e- Based on the document, it is checked whether the interest-related financial business related to the borrowing transaction occurs (700).

When the occurrence of the interest payment related financial service occurrence is confirmed, the operation server 100 calculates the interest amount based on the above-mentioned IOU document (705) and, in cooperation with the designated financial server (190) (710). In step 710, the financial server 190 performs a financial procedure for confirming the interest payment. In step 710, the financial server 190 determines whether the interest amount is included in the account.

If the transaction information indicating that the interest amount is paid from the debtor to the designated account of the creditor is confirmed, the operation server 100 generates the interest payment electronic document corresponding to the interest payment and stores it in the designated electronic document storage medium (715), and the creditor's tax payment procedure corresponding to the interest amount payment can be performed (720).

If the transaction information to which the interest amount is paid is not confirmed from the debtor to the designated account of the creditor, the operation server 100 notifies the creditor terminal 185 of information corresponding to the failure to pay interest (725) , The creditor terminal 185 may receive and output information corresponding to the interest payment failure (730).

FIG. 8 is a diagram illustrating an amount reimbursement process based on an electronic document for a charter according to an embodiment of the present invention.

In more detail, FIG. 8 shows a case where a creditor borrows a borrowing amount based on an unauthorized electronic document through the process shown in FIGS. 2 to 5, and the operation server 100 transmits a reimbursement amount To the designated account of the creditor from the designated account of the debtor. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 8, It will be appreciated that various implementations of the reimbursement process may be inferred (e.g., some steps omitted or alternate reordering procedures), but the present invention encompasses all such contemplated implementations, The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 8, when the creditor borrows a borrowing amount from the borrower based on the electronic document for borrowing through the process shown in FIGS. 2 to 5, the operation server 100 transmits the borrowing e- Based on the document, the borrowing amount for repayment of at least some amount of the borrowing amount for the borrowing transaction (or the principal amount of the borrowing amount) is checked (800).

If it is determined that the borrowing amount related reimbursement related financial service is generated, the operation server 100 calculates the reimbursement amount based on the electronic document for borrowing (805), and, in cooperation with the designated financial server (190) (810), and the financial server (190) performs a money reimbursement process of withdrawing the reimbursement amount and depositing the reimbursement amount to a designated account of the creditor A procedure is performed (810).

If the redemption amount for the redemption amount is processed from the designated account of the debtor to the designated account of the creditor, the operation server 100 generates a redemption electronic document corresponding to the redemption amount, (815).

If the redemption amount for the redemption amount is not processed from the designated account of the debtor to the designated account of the creditor, the operating server 100 notifies the creditor terminal 185 of information corresponding to the redemption failure 820), the creditor terminal 185 may receive and output the information corresponding to the amount repayment failure (825).

FIG. 9 is a diagram illustrating an amount reimbursement process based on an electronic document for charter according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a case where a creditor borrows a borrowing amount from a borrower based on an electronic document for borrowing through the process shown in FIGS. 2 to 5, 9 is a flowchart of a process of calculating the amount of the redemption money from the debtor and confirming the fact that the calculated redemption amount is deposited from the debtor to the designated account of the creditor. As a matter of course, The present invention may include all of the above-described methods of practicing the present invention. For example, the present invention is not limited to the above embodiments, and various modifications may be made without departing from the scope of the present invention. And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 9, when the creditor borrows a borrowing amount from the borrower based on the electronic document for borrowing through the process shown in FIGS. 2 to 5, the operation server 100 transmits the borrowing e- Based on the document, it is checked whether the borrowing amount related to the borrowing transaction has occurred (900).

If it is determined that the borrower's reimbursement-related financial service is generated, the operation server 100 calculates the reimbursement amount based on the electronic document for borrowing (905), and transmits the reimbursement amount from the debtor to the creditor (Step 910). In step 910, the financial server 190 performs a financial procedure for confirming the repayment of the amount of money (step 910).

If the transaction information in which the repayment amount has been repaid is confirmed from the debtor to the designated account of the creditor, the operation server 100 generates a repayment electronic document corresponding to the repayment of the amount and stores the repayment electronic document in the designated electronic document storage medium (915).

If the transaction information indicating that the redemption amount has been redeemed from the debtor to the designated account of the creditor is not confirmed, the operating server 100 notifies the creditor terminal 185 of information corresponding to the amount redemption failure (920) , The creditor terminal 185 may receive and output information corresponding to the amount repayment failure (925).

100: Operation server 105: Information receiving unit
110: Debtor's identity authentication unit 115: Debtor's account authentication unit
120: electronic document generation unit 125: electronic document delivery unit
130: Information registration unit 135: Creditor's identity verification unit
140: creditor account authentication unit 145: electronic document exchange unit
150: creditor approval confirmation unit 155: borrower transaction authentication unit
160: car transaction processing unit 165: electronic document storage unit
170: interest payout processing unit 175: amount payout processing unit
180: Debtor terminal 185: Creditor terminal
190: financial server 195: electronic document server

Claims

1. A method executed via a server communicating with a debtor terminal to borrow money to an individual,
A first step of receiving, from the debtor terminal, credit information including creditor information for borrowing money from the debtor, borrowing information including borrower's personal information and account information and borrowing money from the creditor;
A second step of performing a personal identification process of a debtor who authenticates the debtor who corresponds to personal information of the debtor;
Wherein the name of the financial account corresponding to the account information of the debtor is linked to the financial server specified on the basis of the personal information and the account information of the debtor, ;
A fourth step of, when the account name of the principal is authenticated, a fourth step of verifying that the principal himself or herself carries out a borrowing transaction for borrowing and repaying the borrowing amount corresponding to the borrowing information from the creditor;
A fifth step of delivering the electronic document to the creditor terminal used by the creditor corresponding to the creditor information;
When receiving the modified chartered electronic document from the creditor terminal that has received the chartered electronic document from the creditor terminal, transmitting the modified chartered electronic document to the debtor terminal, Wherein the creditor electronic document is transmitted to the creditor terminal at least once, and when the approval information for the chartered electronic document is received from the creditor terminal, A sixth step of performing a financial procedure for linking the withdrawal transaction for withdrawing the borrowing amount from the account and the receipt transaction for receiving the borrowing amount to the financial account of the debtor; And
And a seventh step of performing a procedure of storing the electronic document for debouch used in the financial procedure in a designated electronic document storage medium.

The system according to claim 1, wherein the creditor information comprises:
And an electronic document based borrower transaction information including creditor identification information to be transmitted to the borrowing electronic document.

The system according to claim 1, wherein the creditor information comprises:
The personal information of the creditor, and the account information of the creditor.

The information processing apparatus according to claim 1,
A borrowing amount, a borrowing date and time, a repayment term or a repayment date, a repayment method, an interest rate, a interest payment method, and a delayed loss provision.

2. The method according to claim 1,
An identity verification procedure combining the two or more heterogeneous networks available to the debtor,
An identity verification procedure for combining two or more media held by the debtor,
An OTP-based personal authentication procedure using the OTP (One Time Password) medium of the debtor,
Wherein an authentication procedure combining at least one or more of the authentication procedures using the certificate of the debtor is performed.

The method as claimed in claim 1,
Further comprising the step of attaching the electronic signature of the debtor to the electronic document of the charter by using the certificate of the debtor.

The method according to claim 1,
When the chartered electronic document is delivered to the creditor terminal,
Further comprising receiving valid personal information or account information of the creditor himself / herself through the creditor terminal if valid personal information or account information of the creditor is not included in the electronic document for debouching, Individual borrowing transaction method.

The method according to claim 1,
When the chartered electronic document is delivered to the creditor terminal,
Further comprising the step of performing a creditor authentication process of authenticating a creditor who is registered through the creditor terminal or corresponding to personal information of a creditor included in the IUE document, Way.

9. The method of claim 8,
A self-certification procedure combining the two or more heterogeneous networks available to the creditor,
An identity verification procedure for combining two or more media held by the creditor,
An OTP-based personal authentication procedure using the OTP (One Time Password) medium of the creditor,
Wherein an authentication procedure combining at least one or more of the authentication procedures using the creditor's certificate is performed.

The method according to claim 1,
When the chartered electronic document is delivered to the creditor terminal,
The name of the financial account corresponding to the account information of the creditor is registered with the financial server on the basis of the personal information and the account information of the creditor registered in the creditor terminal or included in the credit document, Further comprising the step of performing an authentication procedure of an account name.

The method according to claim 1,
When the chartered electronic document is delivered to the creditor terminal,
Further comprising the step of attaching the electronic signature of the creditor to the electronic document of the charterer using the creditor's certificate.

The method according to claim 1,
Withdrawing the borrowing amount from the financial account of the creditor and depositing the borrowing amount in the designated relay account;
Notifying a debtor terminal used by the debtor of a receipt transaction for receiving the borrowing amount;
Processing the electronic signature of the debtor with respect to the receipt transaction using the certificate of the debtor's identity for the receipt transaction in cooperation with the debtor terminal; And
And performing a procedure for depositing a borrowing amount deposited in the relay account to the financial account of the debtor when the borrower authenticates the user or verifies the digital signature.

The method according to claim 1,
Withdrawing the borrowing amount from the financial account of the creditor and depositing the borrowing amount in the designated relay account;
Processing the electronic signature of the debtor with respect to the receipt transaction using the certificate of the debtor's identity for the receipt transaction in cooperation with the debtor terminal; And
And performing a procedure for depositing a borrowing amount deposited in the relay account to the financial account of the debtor when the borrower authenticates the user or verifies the digital signature.

The method according to claim 1,
Withdrawing the borrowing amount from the financial account of the creditor and depositing the borrowing amount in the designated relay account;
And performing a procedure of depositing a borrowing amount deposited in the relay account in the financial account of the debtor according to a designated receiving and receiving transaction procedure through the debtor terminal .

The method according to claim 1,
And notifying a debtor terminal used by the debtor of an acceptance transaction for receipt of the borrowing amount.

The method according to claim 1,
And performing a borrower's identity verification procedure for a payment transaction in which a borrower's financial account is deposited with the borrowed amount of money withdrawn from the financial account of the creditor.

The method according to claim 1,
Processing the electronic signature of the debtor with respect to the receiving transaction by using the certificate of the debtor for a receiving transaction of depositing the withdrawn amount from the financial account of the creditor to the financial account of the debtor; An electronic document-based inter-personal borrowing transaction method.

18. The method according to any one of claims 12 to 17,
Further comprising the step of processing the electronic signature of the debtor in the approved electronic document using the certificate of the debtor.

The method according to claim 1,
And notifying the debtor terminal of a transaction fact in which the borrower has deposited the borrowing amount to the financial account of the debtor.

The method according to claim 1,
Confirming whether or not the interest payment related financial service for the borrowing transaction has occurred on the basis of the chartered electronic document stored in the electronic document storage medium;
The interest payment process for calculating the interest amount based on the electronic document for borrowing and for withdrawing the interest amount from the designated account of the borrower and depositing the interest amount into the designated account of the creditor, Performing a interest payment fact check procedure for confirming a transaction fact in which the interest amount is deposited into the account of the creditor; And
And performing a tax payment procedure of the creditor corresponding to the interest amount payment of the debtor upon the payment of the interest amount of the debtor.

21. The method of claim 20,
And generating and storing a payment electronic document corresponding to the payment of the interest amount of the debtor.

21. The method of claim 20,
Further comprising the step of notifying the creditor terminal of information corresponding to a failure of the interest payment procedure or an unconfirmed fact of the interest payment when the interest payment procedure fails or the interest payment is not yet confirmed. Borrowing transaction method.

The method according to claim 1,
Confirming whether a borrowing amount related financial transaction related to the borrowing amount has occurred on the basis of the chartered electronic document stored in the electronic document storage medium;
When confirming the occurrence of the financial business related to the repayment of the borrowed amount, the repayment amount is confirmed or calculated on the basis of the above-mentioned electronic document for borrowing, the repayment amount is withdrawn from the designated account of the debtor, and the repayment amount is transferred to the designated account of the creditor Performing a money reimbursement fact check process for confirming a transaction fact in which the debtor has deposited the repayment amount into the designated account of the creditor; And
And notifying the creditor terminal of the repayment of the amount of the debtor when the amount of the debtor is redeemed.

24. The method of claim 23,
Further comprising the step of generating and storing a redeemed electronic document corresponding to the repayment of the borrower's borrowing amount.

24. The method of claim 23,
Further comprising the step of notifying the creditor terminal of information corresponding to a failure of the amount reimbursement procedure or an undetermined amount reimbursement fact when the reimbursement procedure is unsuccessful or the reimbursement is not yet confirmed. Borrowing transaction method.

24. The method of claim 23,
And the amount of the borrowed money or the amount of the borrowed money.