KR20170060363A

KR20170060363A - Method for Borrowing Transaction between Individuals based on Electronic Documents

Info

Publication number: KR20170060363A
Application number: KR1020150164741A
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 borrower transaction method, and an electronic document based borrower transaction method according to the present invention is implemented by a server communicating with a creditor terminal borrowing money from an individual, The personal information of the debtor who borrows money from the creditor terminal and the account information of the creditor who borrows money from the creditor terminal and includes the personal information and the account information of the debtor who borrows money from the creditor, A second step of generating an IOU document proving that the borrower borrows and borrows a borrowing amount corresponding to the borrowing information from the creditor based on the borrowing information; A third party for transferring the above-mentioned electronic document to the debtor terminal used by the debtor, And transmitting the modified chartered electronic document to the creditor terminal when receiving the chartered electronic document modified by the debtor from the debtor terminal having received the chartered electronic document, And transmitting the received electronic document to the creditor terminal when the electronic document is received from the debtor terminal and receiving the agreement information on the electronic document for debriefing from the debtor terminal, The method of claim 1, further comprising the step of, when receiving approval information for the electronic document for charter from the creditor terminal, extracting the borrowing amount from the creditor's financial account based on the approved chartered electronic document, And a payment transaction for receiving the borrowing amount And a fifth step of performing a fusion process, and a sixth step of performing the procedure for storing the IOU electronic document to the specified electronic document storage medium used in the banking procedures.

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 use in cooperation with a creditor terminal used by a creditor who borrows money, transfers the electronic document to the debtor who uses the money, and transmits the electronic document to the creditor, Provides an inter-personal borrowing transaction that allows the borrower to borrow the borrowing amount while keeping the above-mentioned borrowing electronic document in a designated electronic document storage medium and managing the borrower with enhanced security so that the borrower can receive the borrowing amount .

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 create an electronic document for use in cooperation with a creditor terminal used by a creditor who borrows money, and then transmit the electronic document to the debtor who uses the money And when the consent is given, the creditor provides the borrower with a borrowing transaction for borrowing the borrower based on the electronic document for borrowing, while keeping the borrowing electronic document in the designated electronic document storage medium, The borrower is authenticated, and at the same time, the borrowing transaction procedure performed based on the electronic document for borrowing is separated into the withdrawal transaction for withdrawing the borrowing amount from the creditor's financial account and the receiving transaction for receiving the borrowing amount from the debtor's financial account In the process, And an electronic document-based borrower transaction method in which a borrower performs authentication of the borrower with enhanced security in order to receive a borrowing amount by performing authentication.

A method for performing an electronic document-based inter-personal borrowing transaction according to the present invention is a method executed by a server communicating with a creditor terminal borrowing money from an individual, the method comprising: receiving, from the creditor terminal, personal information of a creditor The method comprising: a first step of receiving, from the creditor, information about the borrower's personal information including account information and borrower's personal information and account information and including borrowing information for borrowing money from the borrower; A second step of creating an electronic document for use by borrowers to borrow a borrowing amount corresponding to the borrowing information and verifying that the borrowing transaction is performed by repayment of the borrowing amount corresponding to the borrowing information; And a third step of receiving, from the debtor terminal, When receiving the corrected chartered electronic document from the creditor terminal, transmitting the corrected chartered electronic document to the creditor terminal after receiving the corrected chartered electronic document from the creditor terminal, and transmitting the corrected chartered electronic document to the creditor terminal, A fourth step of delivering the electronic document to the creditor terminal, the electronic document being accepted by the debtor if the agreement information is received from the debtor terminal; and a fourth step of receiving, from the creditor terminal, When the approval information is received, a financial procedure for interlocking the withdrawal transaction for withdrawing the borrowing amount from the financial account of the creditor based on the approved borrowing electronic document and the receipt transaction for receiving the borrowing amount to the financial account of the debtor A fifth step of performing the financial procedure, And a sixth step of performing a process of storing the electronic document in the specified electronic document stored media.

According to the present invention, the second step may further include a step of attaching the electronic signature of the creditor to the electronic signature of the charterer using the creditor's certificate.

According to the present invention, the electronic document-based inter-personal borrowing transaction method comprises the steps of: a borrower who performs an authentication process of the borrower who authenticates the borrower's identity corresponding to the personal information of the borrower in cooperation with the debtor terminal having received the above- And may further include an authentication step.

According to the present invention, the electronic document-based inter-personal borrowing transaction method comprises the steps of: a borrower who performs an authentication process of the borrower who authenticates the borrower's identity corresponding to the personal information of the borrower in cooperation with the debtor terminal having received the above- The method according to claim 1, further comprising the steps of: authenticating the borrower, authenticating the name of the financial account corresponding to the account information of the debtor in association with the financial server specified on the basis of the personal information and account information of the debtor, And performing an account name authentication procedure.

According to another aspect of the present invention, there is provided a method of authenticating a creditor, comprising the steps of: authenticating a creditor, combining the two or more heterogeneous communication networks available to the creditor, authenticating the creditor by combining two or more media held by the creditor, ) Medium, an authentication procedure combining at least one of OTP-based authentication procedures based on the OTP and the authentication procedure 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 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.
3 is a flowchart illustrating an electronic document delivery process according to an embodiment of the present invention.
4 is a diagram illustrating an electronic document exchange procedure 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.
6 is a diagram illustrating a borrowing electronic document-based borrowing transaction process 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 an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of interest-based electronic document-based interest payment according to another embodiment of the present invention.
FIG. 9 is a diagram illustrating an amount reimbursement process based on an electronic document for a charter according to an embodiment of the present invention.
FIG. 10 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, in FIG. 1, an electronic document for use in cooperation with a creditor terminal 175 used by a creditor borrowing money is generated, and the borrower terminal 180 using the money is transferred to the borrower terminal 180 The borrower provides the borrower with the borrowing amount borrowed by the borrower based on the above-mentioned borrowing electronic document at the time of consent, while keeping the above-mentioned borrowing electronic document in the designated electronic document storage medium, A person who is familiar with the present invention can refer to FIG. 1 and / or modify the electronic document-based personal transaction, Various implementation methods for inter-transactional systems (e.g., some configuration portions may be omitted , Or subdivided, or combined). 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.

The system of the present invention includes at least one creditor terminal 175 used by a creditor borrowing money and used to create an electronic document for borrowing money and at least one debtor terminal 180 used by the borrower to borrow money ) And an electronic document of the charterer in cooperation with the creditor terminal 175 and transmits the electronic document for charter to the debtor terminal 180 using the money to be borrowed by the debtor, And an operation server (100) for storing the borrowed electronic document in a designated electronic document storage medium and managing the borrowed electronic document in order to manage the same, while providing an inter-personal borrowing transaction according to the present invention borrowing the borrower a borrowing amount. And is used for authentication of at least one of the authentication of the user and the account name, Further comprising a financial server (185) for processing at least one financial transaction, wherein the electronic document server (190), which manages an electronic document storage medium storing the above-mentioned < RTI ID = 0.0 > . 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 185 or the electronic document server 190 or a configuration for requesting / confirming that the operation server 100 is processed in association with each server .

The creditor terminal 175 is a collective term of a terminal used by a creditor borrowing money from a debtor, and preferably is used by a creditor to create and approve an electronic document for borrowing for borrowing. According to the embodiment of the present invention, the creditor terminal 175 includes all kinds of wireless terminals (for example, a mobile phone, a smart phone, a tablet PC, etc.) owned or used by a wired terminal or a creditor used by a creditor And the present invention is not limited by the type or function of the creditor terminal 175 or the communication network to which the creditor terminal 175 is connected. Preferably, the creditor terminal 175 may be provided with a program for performing operations of the creditor terminal 175 according to the present invention.

The debtor terminal 180 is a collective term of a terminal used by a debtor to borrow money, and can preferably be used to display and modify or negotiate an electronic document of a loan created by a creditor. 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 financial server 185 is a collective term of a server for processing at least one financial transaction for a borrowing 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 185 may include a server provided in the financial institution. If the creditor and the debtor are customers of another financial institution, the financial server 185 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 190 is a collective term of a server that stores and manages an electronic document for making a quotation, which has been 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 an 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 190 may include a server of a financial institution used by the creditor, When the financial institution manages the electronic document for the charter, the electronic document server 190 may include a server of a financial institution used by the debtor. Or the electronic document server 190 may include a server of a recognized accredited agency that processes electronic document archiving services.

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 operating server 100 includes personal information and account information of a creditor borrowing money from the creditor terminal 175, and stores personal information of a debtor who borrows money from the creditor, An information receiving unit (105) for receiving information on the information on the use of the information including borrowing information for the money using the information on the basis of the information on the use of the borrower; a borrower for borrowing the borrowing amount corresponding to the borrowing information from the creditor And an electronic document generation unit (120) for generating an electronic document of a borrower for verifying that a borrower transaction corresponding to the personal information of the creditor is performed in accordance with an embodiment of the present invention. A personal authentication unit 110 and a financial server 185 based on the personal information and the account information of the creditor Group may be the name of a financial account corresponding to the creditor account information to at least one further comprising a certification of the creditor account and the authentication unit 115 to perform an authentication process of authenticating whether the account name creditor own name.

The creditor terminal 175 displays a charter creation interface for inputting designated charter information by driving a program for creating a chartered electronic document or by connecting to the operating server 100. [ The creditor terminal 175 transmits personal information (for example, the name of the creditor, the date of birth of the creditor (or the resident number) of the creditor, the mobile phone number of the creditor, (For example, the name of the debtor, the address of the debtor, the e-mail address of the creditor, etc.) and the account information (for example, bank information of the creditor, account number of the creditor, etc.) (For example, the bank information of the debtor, the account number of the debtor, etc.) and / or the account information (such as the date of birth of the debtor (or the resident number), the debtor's mobile number or telephone number and carrier information, Or input / select the borrowing information for the money.

According to the embodiment of the present invention, the creditor terminal 175 can input / select the personal information of the debtor including the debtor identification information for identifying the debtor to receive the IUE document through the IUE creating interface. For example, the debtor identification information may include the ID of the debtor, the name of the debtor, the mobile phone number of the debtor, the telephone number of the debtor, the mail address of the debtor, and the like.

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 personal information and account information of the creditor himself or herself from the creditor terminal 175 and includes borrowing information for borrowing money from the borrower and includes personal information and account information for the borrower And receives the information about the charter.

The electronic document generation unit 120 borrows the borrower's own borrowing amount corresponding to the borrowing information, and the borrower borrows the interest amount of the borrowing amount according to the contents described in the borrowing information and / It creates a borrowing electronic document that proves that the borrowing transaction repays the principal and makes it undeniable. 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 generation of electronic document of the present invention, the electronic document generation unit 120 generates the electronic version of the electronic version including the configuration information of the above-mentioned disclosure information, ) Generates an electronic signature of the creditor himself or herself on the credit information or the credit document on the basis of the creditor's own certificate (for example, an authorized certificate for financial transaction) provided in a medium, A signature can be attached to the above-mentioned electronic document to generate an electronic document for anonymous use.

According to the second embodiment of the present invention, when the creditor's identity authentication procedure is performed through the creditor's identity authentication unit 110 before generating the above-mentioned chartered electronic document, the electronic document generation unit 120 Attaching the creditor's identity verification result through the creditor's identity verification unit 110 to the chartered electronic document and generating the creditor's identity verification unit 110 with the authentication result It is possible to generate an electronic document for charter by attaching the log information of the creditor's self-certification process.

According to the third embodiment of the invention, when the creditor account name authentication process is performed through the creditor account authentication unit 115 prior to the generation of the chartered electronic document, Attaches an authentication result of a creditor account name through the creditor account authentication unit 115 to the chartered electronic document, and / or attaches the authentication result of the creditor account name to the creditor account authentication unit 115 ) Can be attached to log information of the creditor account name authentication process to generate an electronic document for chartered account.

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, Lt; / RTI >

The electronic document generation unit 120 may temporarily store the generated electronic document for borrowing, and may process the electronic document created by the creditor to transfer the electronic document to the debtor for approval and / or correction .

Meanwhile, according to the embodiment of the present invention, at least one of the creditor's own authentication process through the creditor's authentication unit 110 and / or the creditor's account name authentication process using the creditor's account authentication unit 115 One authentication procedure may be performed and may be omitted or simplified depending on the implementation method.

The creditor's identity authentication unit 110 may perform a creditor's identity authentication process for authenticating a creditor who corresponds to personal information of the creditor in connection with one or more terminals owned or used by the creditor.

According to an embodiment of the present invention, the creditor's identity authentication unit 110 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 second creditor authentication method of the present invention, the creditor's identity authentication unit 110 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 110 may send an authentication number to a wireless terminal such as a cell 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 present invention, the creditor's identity authentication unit 110 may be a device capable of multiple access to heterogeneous 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 carry out an authentication procedure to authenticate the identity of the creditor. For example, the creditor's identity authentication unit 110 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 fourth creditor authentication method of the present invention, the creditor's authentication unit 110 may be configured to authenticate the creditor by using different types of media (for example, a cell phone / smart phone used by the creditor, etc.) among two or more media (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 110 can authenticate the creditor's identity by using the smartphone of the creditor as a portable (or owned) 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 authentication unit 110 may be a one-time password (OTP) medium (for example, an OTP generator, a mobile phone installed with an OTP application, 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 embodiment of the present invention, the creditor's identity authentication unit 110 may be configured to authenticate the creditor's own certificate (for example, for the financial transaction) included 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 seventh creditor authentication method of the present invention, the creditor's identity authentication unit 110 may be configured to at least partially combine or modify at least two of the authentication examples of the first to sixth creditors 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 110 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 embodiment of the present invention, the creditor's identity authentication through the creditor's identity authentication unit 110 can be omitted at least partially, or at least can be simplified compared to the creditor's own authentication procedure, thereby not limiting the present invention. Preferably, the creditor self-certification process may be provided at a level that is comparable to normal non-face-to-face financial transactions.

If the identity of the creditor is authenticated through the creditor's identity authentication unit 110, the creditor account authentication unit 115 may associate with the financial server 185 designated 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 embodiment of the present invention, the creditor account authentication unit 115 reads the account information of the creditor and 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-based personal transaction is provided only to a customer of the financial institution through a specific financial institution, the financial institution identification procedure may be omitted), the financial server 185 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 185 to request recognition of the customer name corresponding to the personal information of the creditor who is authenticated as the principal, If the name of the financial account corresponding to the creditor's account information from the financial server 185 is the authenticity of the creditor It is provided.

According to the embodiment of the present invention, the creditor account name authentication through the creditor account authentication unit 115 can be omitted at least partially or at least can be simplified compared to the authentication procedure of the debtor account name, thereby not limiting the present invention. Preferably, the credential account name authentication procedure may be provided at a level that is comparable to a normal non-face financial transaction.

Referring to FIG. 1, the operation server 100 includes an electronic document delivery unit 125 that performs a procedure for delivering the electronic document to the debtor terminal 180 used by the debtor, A borrower's identity verification unit 130 for performing a borrower's identity verification process for authenticating the debtor's identity corresponding to the personal information of the debtor who has received the debtor's personal information and the financial server 185 specified based on the personal information and account information of the debtor, And a debtor account authentication unit (135) for performing an authentication procedure for an account name in which the name of the financial account corresponding to the account information of the debtor is the identity of the person himself or herself authenticated.

When the electronic document delivery unit 125 generates the electronic document through the electronic document generation unit 120, the electronic document transfer unit 125 transmits personal information (for example, the identification information of the debtor) And transfers the electronic document to the debtor terminal 180 used by the debtor.

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 debtor terminal 180 used by the debtor, the electronic document transferring unit 125 transfers By performing a push notification procedure for delivering the electronic document for the charter by the program, the electronic document can be delivered to the debtor terminal 180. Alternatively, the electronic document delivery unit 125 may perform a procedure of sending a message for delivering the electronic document to the corresponding mobile phone, or may transmit the electronic document to the corresponding electronic mail address of the debtor You can send mail to deliver. Alternatively, the electronic document delivery unit 125 may link a telephone conversation for delivering the electronic document to the debtor's cellular phone / telephone in cooperation with an ARS server (not shown). That is, the electronic document transferring unit 125 may perform a procedure of transferring the electronic document to the debtor terminal 180 through all existing means (or modification / modification thereof).

The debtor terminal 180 may operate the designated program or access the operation server 100 in conjunction with the electronic document delivery procedure through the electronic document delivery unit 125 to display the electronic signature on the document and / I / O-related I / O-related interfaces that can modify at least some of the electronic documents and / or agree to the IOU electronic documents. Preferably, the debtor terminal 180 may display the received chartered electronic document through the debtor-side inquiry-related interface.

Meanwhile, when the electronic document is delivered through the electronic document delivery unit 125, it is preferable to perform various authentication procedures related to the debtor.

The creditor's identity authentication unit 130 performs a creditor's personal authentication process for authenticating the debtor who corresponds to the personal information of the debtor in connection with one or more terminals owned or used by the debtor.

According to the first embodiment of the present invention, the debtor's personal authentication unit 130 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 identity authentication unit 130 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 130 may transmit an authentication number to a wireless terminal such as a mobile phone owned by the debtor, receive the authentication number through the wire terminal of the debtor, and perform authentication and authentication.

According to a third embodiment of the present invention, the creditor authentication unit 130 may be a terminal capable of multiple access to heterogeneous heterogeneous communication networks (for example, a smart phone capable of multiple access 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 130 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 130 may be configured to use different types of media (for example, a mobile phone / a smart phone 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 authentication unit 130 authenticates whether the debtor has been carried (or owned) by the debtor through the smartphone of the debtor. In this case, 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 130 includes an OTP (OTP) 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 an embodiment of the present invention, the creditor's identity authentication unit 130 may be configured to authenticate the creditor's own certificate (for example, 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 creditor's authentication unit 130 may be configured to at least partially combine or modify at least two of the first to sixth creditor authentication methods 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 identity authentication unit 130 includes all existing methods of authenticating the identity of the debtor, 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 information on the charter is the debtor, the electronic document-based personal borrowing transaction according to the present invention is provided . 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 130, the debtor account authentication unit 135 may identify the user of the debtor by interlocking with the financial server 185 designated based on 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 debtor account authentication unit 135 reads the account information of the debtor and identifies the financial institution in which the debtor's financial account corresponding to the debtor's account information 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 185 corresponding to the identified financial institution Through the financial server (185), the name of the financial account corresponding to the account information of the debtor requests the identity verification of the customer name corresponding to the personal information of the self-authenticated debtor, From the financial server 185, the name of the financial account corresponding to the account information of the debtor is the name of the person himself / 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 135 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.

Meanwhile, if the borrower terminal 180 receives an amendment to the borrower's electronic document through the borrower-side charterer-related interface (for example, adding / modifying the personal information of the debtor, adding / modifying the account information of the debtor, Some modifications, etc.), the debtor terminal 180 may transmit the modified chartered electronic document to the operating server 100 through the debtor-side charterer-related interface.

Referring to FIG. 1, the operation server 100 receives an amended e-mail document from the debtor terminal 180, which has received the e-mail, from the debtor, and transmits the amended e- And transmits it to the debtor terminal 180. The borrower terminal 180 receives the corrected amended e-mail document from the creditor terminal 175 and transmits it to the debtor terminal 180, An electronic document exchange unit 140 for carrying out a procedure for transferring an electronic document to the creditor terminal 175 agreed by the debtor upon receipt of the agreement information from the creditor terminal 175, A creditor approval confirmation unit (145) for receiving the approval information, and a withdrawal amount accepting unit for withdrawing the borrowing amount from the creditor's financial account based on the approved chartered electronic document A borrowing transaction processing unit (155) for performing a financial procedure for linking the withdrawal transaction to the financial account of the debtor and the receipt transaction for receiving the borrowing amount; And an electronic document storage unit (160) for performing a procedure of storing a debtor's personal identification information and at least one debtor-related authentication procedure among the financial procedures for authenticating a debtor and / or an electronic signature process using a debtor's account name and / And a borrowing transaction authentication unit 150 for performing the borrowing transaction.

When the debtor terminal 180 corrects and transmits at least a part of the chartered electronic document, the electronic document exchange unit 140 receives the modified chartered electronic document from the debtor terminal 180, And transmits the document to the creditor terminal 175. If the creditor terminal 175 is connected at the time of receiving the modified chartered electronic document, the electronic document exchange unit 140 can immediately provide the modified chartered electronic document to the creditor terminal 175 If the creditor terminal 175 is not connected to the electronic document exchange unit 140, the electronic document exchange unit 140 transmits the modified chartered electronic document to the creditor terminal 125 through a procedure corresponding to the operation procedure of the electronic document transfer unit 125 To the terminal 175.

The creditor terminal 175 displays a creditor-side inquiry-related interface capable of approving the borrower-side modifications of the modified borrowing-type electronic document and / or further modifying the content modified by the borrower-side. Preferably, the creditor terminal 175 may display the chartered electronic document through the creditor-side charterer-related interface.

On the other hand, when the creditor terminal 175 further modifies and transmits the above mentioned chartered electronic document via the creditor-side charterer-related interface, the electronic document exchange unit 140 acquires the further modified charterer's electronic document from the creditor terminal 175 And may provide the further modified borrowing electronic document to the debtor terminal 180. [ Preferably, the electronic document exchange unit 140 may exchange the electronic document for debenture at least once between the debtor terminal 180 and the creditor terminal 175, and both the debtor and the creditor, 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 account name of the debtor during the exchange of the above-mentioned electronic document between the debtor terminal 180 and the creditor terminal 175, And / or the electronic signature procedure of the debtor may be performed.

Meanwhile, when the debtor terminal 180 inputs / selects the agreement information for the chartered electronic document through the debtor-side charterer-related interface, the electronic document exchange unit 140 receives the charterer's certificate from the debtor terminal 180, And receives the agreement information of the debtor for the electronic document and provides the electronic signature to the creditor terminal 175.

When the debtor terminal 180 receives the agreement information of the debtor with respect to the above-mentioned borrower's electronic document while the above-mentioned electronic document exchange between the debtor terminal 180 and the creditor terminal 175 via the electronic document exchange unit 140 And the creditor terminal 175 transmits the charterer's approval information to the charterer's electronic document, the creditor's charterer confirms the charterer's approval information for the charterer's electronic document from the creditor terminal 175 .

According to an embodiment of the first disclosure of the present invention, the creditor terminal 175 may display the transferred to / exchanged electronic version of the electronic document via the interface with the creditor side, and the creditor may display the designated area on the creditor- The creditor terminal 175 can transmit the charterer's approval information corresponding to the designated operation of the creditor to the operation server 100. [

According to the second embodiment of the present invention, the creditor terminal 175 may receive the creditor's own certificate (for example, for the financial transaction) owned by the creditor 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 the third embodiment of the present invention, the creditor terminal 175 receives the previously registered creditor PIN information, and receives the inquiry approval information including the inputted PIN information (or the creditor terminal 175 with respect to the inputted PIN information) To the operation server 100, the user's approval information including the authentication result of the authentication procedure performed by the terminal 175).

According to an embodiment of the fourth disclosure of the present invention, the creditor terminal 175 may transmit to the operation server 100 the approval / disapproval information in the form of a combination of two or more of the first to third permits have.

When the creditor terminal 175 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 145 confirms the charterer's approval from the creditor terminal 175 Information is received.

The creditor approval confirmation unit 145 reads out the inquiry acceptance information received from the creditor terminal 175 and authenticates the validity of the inquiry acceptance information. For example, when the electronic signature of the creditor is attached to the electronic document of the charterer, the creditor approval confirmation unit 145 may verify the validity of the electronic signature of the creditor attached to the chartered electronic document.

The electronic document storage unit 160 temporarily stores the approved electronic document of interest information until the completion of the borrowing transaction or even before the borrowing transaction is completed according to the method of performing the borrowing approval information, 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 155 acquires the chartered electronic document from the financial account of the creditor corresponding to the creditor account information included in the chartered electronic document based on 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 150, during the financial procedure (for example, a receiving transaction), performs a borrower's own authentication procedure and / or a borrower account name authentication procedure and / or a borrower account authentication procedure for receiving the borrowing amount to the financial account of the borrower 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 method of the present invention, the borrower transaction processing unit 155 can check (omit) the financial server 185 corresponding to the creditor's financial institution based on the creditor account information included in the approved chartered electronic document , In association with the creditor's financial server 185, withdraws an amount corresponding to the borrowing amount included in the chartered electronic document from the financial account of the creditor corresponding to the creditor account information, and transfers it to 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 155 transmits the borrowing transaction information to at least one debtor terminal 180 used by the debtor based on the above- 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 155, in cooperation with the borrower transaction authentication unit 150, The authentication process can be performed.

According to the first embodiment of the present invention, the borrower transaction authentication unit 150 receives and receives 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 150 uses two or more terminals (or terminal media) connected to heterogeneous heterogeneous communication networks of 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 150 may transmit an authentication number to a wireless terminal such as a mobile phone owned by the debtor, receive the input of the authentication number through the wire terminal of the debtor, and perform authentication and authentication.

According to the third embodiment of the present invention, the borrowing transaction authentication unit 150 may be a terminal capable of multiple access to heterogeneous heterogeneous communication networks (for example, a smart network 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 borrowing transaction authentication unit 150 may send 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 the data through a data network have.

According to the fourth embodiment of the present invention, the borrowing transaction authentication unit 150 may be configured such that the borrower has a different type of medium (for example, a mobile phone / smartphone 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 borrower transaction authentication unit 150 may be configured to authenticate the borrower through the smartphone of the borrower, for example, by using an 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 borrowing transaction authentication unit 150 includes an OTP (OTP) medium (for example, OTP generator, OTP application installed 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 150 may be configured to authenticate the borrower's own certificate (for example, for 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 150 may be configured to at least partially combine or modify at least two of the first to 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 150 includes all existing methods for 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 method 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 150 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 155 transmits the borrower's transaction for the receiving transaction in cooperation with the borrower transaction authentication unit 150, The account name authentication process for the account can be performed.

According to an embodiment of the present invention, the borrowing transaction authentication unit 150 receives the account information of the debtor from the debtor terminal 180 and receives (or executes, according to the method of performing, the account information of the debtor for the receiving 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 provides the personal information and the account information of the debtor to the financial server 185 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 185 for the authentication of the customer name corresponding to the personal information of the self-authenticated debtor, and the account information of the debtor from the financial server 185 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 method 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 name of the debtor through the borrowing transaction authentication unit 150. 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 150 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 150 may verify the electronic signature of the debtor received from the debtor terminal 180 to prevent the debtor's denial of the receipt transaction.

Meanwhile, when the debtor terminal 180 requests the receiving transaction for the deposited amount in the intermediary account, the borrower transaction authentication unit 150 transmits the authorized debtor electronic signature to the debtor terminal 180 for the receiving transaction, 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 150 can 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 155 performs a designated authentication procedure for receiving the borrowed amount deposited in the relay account through the borrowing transaction authentication unit 150 to the financial account of the debtor, (Omitted) the financial server 185 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 185 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 155 informs the creditor terminal 175 that the borrower's financial account has been received in the financial account of the borrower, The borrower terminal 175 may request the use of the borrowed amount received in the financial account. In this case, until the use of the borrowing amount is permitted from the creditor terminal 175, use of the borrowed amount among the amount received to the borrower's financial account 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, when the borrower has received the borrowing amount, the borrower transaction processing unit 155 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 160 stores an electronic document for borrowing used in financial procedures performed through the borrowing transaction processing unit 155 in association with the electronic document server 190, 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 165 for performing at least one of the procedures of the taxpayers' payment of the debt amount corresponding to the payment of the interest amount of the debtor upon payment of the interest amount of the debtor .

After the borrower's financial amount withdrawn from the financial account of the creditor is received on the financial account of the debtor based on the above-mentioned electronic document for borrowing (or after the above-mentioned electronic document is stored on the electronic document storage medium), the interest- ) 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 165 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 transaction is confirmed, the interest payment processor 165 calculates the interest amount to be paid to the creditor by the debtor based on the electronic document for the 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 165 calculates the interest amount 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 payment processing unit 165 generates a interest payment 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 has not yet been confirmed, the interest payment processor 165 may notify the creditor terminal 175 of information corresponding to the failure of the interest payment procedure or the unauthorized payment of the interest payment.

On the other hand, at the time of confirming the interest amount payment, the interest reimbursement processing unit 165 calculates the tax based on the interest income generated by the creditor in response to the interest amount payment of the debtor, and calculates the tax payment procedure of the calculated 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 between the creditor terminal (175) and the creditor terminal (175) when the amount is repaid by the debtor 170).

After the borrower's money amount withdrawn from the creditor's financial account is received on the borrower's financial account (or after the borrower's electronic document is stored on the electronic document storage medium) based on the borrowing electronic document, the money reimbursement processing unit 170 ) 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 170 can confirm whether or not the reimbursement date and time included in the chartered electronic document stored in the electronic document storage medium comes at a reimbursement date and time.

When confirming the occurrence of the financial service related to the repayment of the borrowed amount, the amount repayment processor 170 may calculate 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 165 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 170, 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 170 calculates a repayment amount (for example, a part of the borrowing amount or the amount of the borrowing amount) to be paid by the debtor to the creditor (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 165 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 170, It is possible to process the reimbursement of the amount together, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the amount reimbursement processing unit 170 generates a reimbursement electronic document corresponding to the reimbursement 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 amount reimbursement procedure fails or the amount reimbursement process is not yet confirmed, the amount reimbursement processing unit 170 may notify the creditor terminal 175 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 170 may notify the redemption amount of the debtor to the creditor terminal 175. 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 170 generates a repayment electronic document to be stored in the electronic document storage medium through the electronic document server 190 or performs a procedure of discarding the electronic service 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.

2 is a flowchart illustrating a process in which an operation server 100 generates an electronic document for a charter by interworking with a creditor terminal 175. As a person having ordinary skill in the art to which the present invention pertains, (For example, omitting some steps or changing the order), it should be understood that the present invention is not limited to all of the above embodiments And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 2, the creditor terminal 175 includes personal information and account information of a debtor who borrows money from the creditor, including personal information and account information of the creditor himself / herself through the charterer creation interface, The information about the charter information including the charter information is created and transmitted to the operation server 100 at operation 200. The operation server 100 receives the charter information created by the creditor from the creditor terminal 175 at operation 205,

Meanwhile, the operation server 100 may perform a creditor's personal authentication process for authenticating the creditor's principal based on personal information of the creditor included in the information about the charterer. For example, the operation server 100 may perform the creditor's identity verification process through at least one creditor's authentication example of the first to seventh creditor authentication embodiments of the present invention (210) (210), which is used by the creditor during the creditor's self-certification process. If the creditor authentication of the creditor fails, 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 creditor terminal 175 may perform the cancellation and / or re-creation procedure 215.

Alternatively, the operating server 100 may operate in conjunction with the financial server 185, which is specified based on the personal information of the creditor and the account information included in the information on the use of the charter, so that the name of the financial account corresponding to the account information of the creditor is authenticated The authentication process of the account name to authenticate the creditor's name can be performed (220). If the creditor account name authentication fails to the financial account of the creditor, the operating server 100 cancels 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 creditor terminal 175 may perform the cancellation and / or re-creation procedure (225).

If the creditor information created by the creditor is received from the creditor terminal 175 and / or the credentials of the creditor are authenticated and / or the account name is successfully authenticated according to the method, (230) that the borrower borrows the borrowing amount from the creditor based on the borrower's borrowing amount and borrowed money. Preferably, the operation server 100 may generate 230 an electronic document for anonymous charter through at least one creditor authenticating embodiment among the first through fourth e-document creation embodiments of the present invention.

Meanwhile, when the above-mentioned chartered electronic document is generated, the operation server 100 may request the electronic signature from the creditor's certificate by providing the charterer's electronic document to the creditor terminal 175 according to the method of operation (235) . The creditor terminal 175 may receive and output the above-mentioned electronic document for borrowing and process the electronic signature of the creditor in the electronic document of the borrower using the certificate of the creditor (240). If the electronic signature of the creditor is processed in the electronic document for the charterer, the creditor terminal 175 attaches the digital signature of the creditor to the chartered electronic document and transmits it to the operation server 100 (245).

The operation server 100 receives the chartered electronic document attached with the electronic signature of the creditor from the creditor terminal 175 and performs a procedure for validating the electronic signature of the creditor of the chartered electronic document 255, . If the electronic signature of the creditor is not verified, the operation server 100 cancels the generation of the chartered electronic document corresponding to the charter information and / or performs a series of designated procedures for re-creation of the chartered electronic document , The creditor terminal 175 may perform the cancellation and / or re-creation procedure of the charter (260).

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

FIG. 3 shows a process of transferring an electronic document of a borrowed person made by a creditor to a debtor. Referring to FIG. 3 and / or modified by the person skilled in the art, It should be understood that various implementations of the electronic document delivery process may be inferred (e.g., some of the steps may be omitted or the sequence may have changed), but the present invention includes all of the above- The technical characteristics are not limited only by the method shown in FIG.

Referring to FIG. 3, when an unauthorized electronic document is generated through the process shown in FIG. 2, the operation server 100 confirms (300) the debtor of the electronic document for debouch, and transmits the electronic document to the debtor The borrower terminal 180 requests the connection of the debtor terminal 180 to access the borrower terminal 180 and accesses the operation server 100 to receive the borrower electronic document 310.

Upon accessing from the debtor terminal 180, the operation server 100 uses the personal information of the debtor of the electronic document for debouch to be delivered to the debtor, or authenticates the debtor himself / herself based on the individual information of the debtor provided by the debtor terminal 180 (315). Preferably, the operation server 100 may perform the obligor's identity verification procedure through at least one of the first to seventh obligor's own authentication embodiments of the present invention (step 315) Accordingly, the terminal used by the debtor may be used during the borrower's identity authentication procedure (315). If the borrower's identity authentication fails, the operation server 100 performs a series of designated procedures for canceling the transfer of the electronic document for borrowing, and the borrower terminal 180 performs a cancellation transfer cancellation procedure (320).

Meanwhile, when the borrower is authenticated by the borrower himself / herself, the operation server 100 uses the personal information of the borrower and the account information of the borrower's electronic document to be delivered to the borrower or the personal information of the borrower provided by the borrower terminal 180 The name of the financial account corresponding to the account information of the debtor is linked with the designated financial server 185 based on the account information, and the account name authentication process is executed (325). If the authentication of the account of the debtor to the financial account of the debtor fails, the operation server 100 performs a series of designated procedures for canceling the transfer of the electronic document for borrowing, The cancellation procedure is performed (330).

If the authentication of the borrower is successful and the account name is successfully authenticated, the operation server 100 delivers the electronic document to the debtor terminal 180 (335), and the debtor terminal 180 transmits the electronic ID document And displays it via the designated creditor-side charter related interface (340).

FIG. 4 is a flowchart illustrating an electronic document exchange procedure according to an embodiment of the present invention.

FIG. 4 is a flowchart illustrating a process of exchanging an electronic document between a creditor and a debtor and agreeing the content of the IOU. As shown in FIG. 4 and FIG. 4, 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. 4, when the chartered electronic document is transferred to the debtor terminal 180 through the process shown in FIG. 3, the debtor terminal 180 receives the chartered electronic document and displays it through the designated charterer's charter related interface do. If the borrower terminal 180 corrects the borrower's electronic document through the interface with the debtor's side, the borrower terminal 180 transmits the borrower's electronic document modified through the borrower's / (405), and the operating server (100) receives the modified chartered electronic document from the debtor side and transfers it to the creditor terminal (410) (410). The creditor terminal 175 receives the above-mentioned electronic document for lending and displays it through the designated lender's charter related interface (415).

If the creditor terminal 175 further modifies the chartered electronic document through the creditor-side charterer-related interface 420, the creditor terminal 175 transmits the chartered credit document further modified through the creditor-side charterer- (425), and the operation server (100) receives the modified personal document from the creditor side and transfers it to the debtor terminal (430). In this case, the debtor terminal 180 receives the electronic document for borrowing and displays it on the interface associated with the debtor's side for the user's debts (435), and confirms whether the debtor has consented to the electronic document for debts (440). According to the embodiment of the present invention, in order to confirm whether or not the debtor agrees with the borrower's electronic document, the borrower's identity verification procedure and / or account name verification procedure and / or electronic signature or verification procedure can be performed have.

On the other hand, if the debtor terminal 180 having received the above-mentioned chartered electronic document agrees with the chartered electronic document, the debtor terminal 180 transmits the chartered electronic document agreed by the debtor to the operating server 100 445), the operation server 100 receives the electronic document to be borrowed and transmits it to the creditor terminal 175 (450). The creditor terminal 175 receives the electronic document for lending and displays it on the creditor-side inquiry-related interface (455), and confirms whether or not the creditor has approved the digital signature on the creditor-side by means of the creditor- ). 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. 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 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 and / or modify FIG. 5 to illustrate various implementations of the electronic document-based borrower transaction process (eg, 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 only by the method shown in FIG.

Referring to FIG. 5, when the creditor terminal 175 transmits approval information about the chartered electronic document 500 based on the process shown in FIG. 4, the operating server 100 transmits approval information of the chartered electronic document (505), and performs a procedure for checking the validity thereof (510). 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 for approval (or may store the electronic document in the electronic document storage medium according to an implementation method) (515).

The operating server 100, in cooperation with the designated financial server 185, 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, (520), and the financial server 185 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 (520).

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 (525).

The borrower terminal 180 confirms the receipt transaction request notification (530), requests the operation server (100) for a receipt transaction for the borrowed amount based on the receipt transaction request notification (535) (100) confirms the debtor's receipt transaction request (540).

The operation server 100 performs a procedure for authenticating the debtor's identity (545) based on the personal information of the debtor. Preferably, the operation server 100 may perform the obligor's identity verification procedure through at least one of the first to seventh obligor's own authentication embodiments of the present invention (step 545) Accordingly, the terminal used by the debtor may be used during the self-identification process of the debtor (545). 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 ( 550).

Meanwhile, when the borrower is authenticated by the borrower, the operation server 100 operates in cooperation with the financial server 185 based on the personal information of the borrower and the account information, so that the financial account corresponding to the account information of the borrower (555) the name of the account to be authenticated by the person himself or 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, (560).

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

FIG. 6 is a flowchart illustrating a process of associating a withdrawal transaction performed through the process shown in FIG. 5 with a debtor transaction on the debtor side. If the person skilled in the art is familiar with the present invention, It will be appreciated that various implementations of the electronic document-based borrower transaction process (e.g., some steps omitted or alternate implementations) can be inferred by referring to and / or modifying FIG. 6, And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 6, when the process shown in FIG. 5 is performed after the withdrawal transaction is performed, a payment transaction associated with the withdrawal transaction is requested from the debtor, and / or the principal authentication process of the debtor requesting the payment transaction and / The operation server 100 requests the debtor terminal 180 to electronically sign the debtor's electronic signature of the received transaction information for the requested receiving transaction (or the user ID document) (600), and the debtor terminal 180 processes the debtor's digital signature on the receipt transaction information (or the chartered electronic document) using the debtor's certificate (605).

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) (610), and the operation server (100) verifies the validity of the debtor electronic signature for the receiving transaction (610). 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 620 ).

If the validity of the debtor digital signature is verified, the operation server 100 interlocks with the designated financial server 185 and determines whether the digital signature of the debtor is designated by the process shown in FIG. 5 based on the received transaction information The banking server 185 performs a process of depositing the borrowing amount deposited in the relaying account in the financial account of the debtor corresponding to the account information of the debtor included in the above-mentioned borrowing electronic document (625) (625), and deposits the money into the financial account of the debtor.

When the borrower has received the borrowing amount, the operation server 100 performs a procedure of storing the electronic document in the designated electronic document storage medium in cooperation with the electronic document server 190 (630) . The operating server 100 may provide the receiving transaction result to the debtor terminal 180 at operation 635 and the debtor terminal 180 may receive and output the receiving transaction result at operation 640. Alternatively, the operating server 100 may provide the receiving transaction result to the creditor terminal 175 (645), and the creditor terminal 175 may receive and output the receiving transaction result (650).

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

In more detail, FIG. 7 is a diagram illustrating an example of 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 6, And referring to and / or modifying FIG. 7, the electronic document-based interest is calculated as the interest rate of the electronic document based on the electronic document-based interest It will be appreciated that the various ways of performing the payment process (e.g., omitting some steps or changing the order) may be inferred, 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. 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 6, 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 charter ID document (705) and, in cooperation with the designated financial server 185, (710), the financial server (185) 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 (710).

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, (715), and the creditor's tax payment procedure corresponding to the interest amount payment may be performed (720).

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 175 of information corresponding to the interest payment failure ( 725), the creditor terminal 175 may receive and output information corresponding to the interest payment failure (730).

FIG. 8 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 flowchart illustrating an example of an operation of a borrower who borrows a borrowing amount from a borrower based on an unauthorized electronic document through the process shown in FIGS. 2 to 6, 8 and FIG. 8 is a flowchart illustrating a process of confirming the fact that the calculated interest amount is deposited from a debtor to a designated account of the creditor. As shown in FIG. 8 and FIG. 8, 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. 8, when the creditor borrows a borrowing amount from the borrower based on the electronic document for debenture through the process shown in FIGS. 2 to 6, the operation server 100 deletes the borrowing e- Based on the document, it is checked whether a financial transaction related to interest payment for the borrowing transaction occurs (800).

When the occurrence of the interest payment related financial service occurrence is confirmed, the operation server 100 calculates the interest amount based on the IO document (805), and in cooperation with the designated financial server (185) (810). In step 810, the financial server 185 performs a financial procedure for confirming a payment of the interest.

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 (815), and a creditor's tax payment procedure corresponding to the interest amount payment may be performed (820).

If the transaction information indicating that the interest amount has been paid from the debtor to the designated account of the creditor is not confirmed, the operation server 100 notifies the creditor terminal 175 of information corresponding to the failure to pay interest (825) , The creditor terminal 175 may receive and output information corresponding to the interest payment failure (830).

FIG. 9 is a diagram illustrating an amount reimbursement process based on an electronic document for charter according to an 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 unauthorized electronic document through the process shown in FIGS. 2 to 6, And referring to and / or modifying FIG. 9 to determine the amount of the electronic document based money amount, if the amount of the electronic document based money amount It will be appreciated that various embodiments of the reimbursement process (e.g., some steps may be omitted or alternatives may be envisaged), but the present invention encompasses all such contemplated embodiments, The technical features thereof are not limited only by the method of implementation.

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 6, the operation server 100 transmits the borrowing e- Based on the document, a borrowing amount for repayment of at least a portion of the borrowing amount for the borrowing transaction (or the principal amount of the borrowing amount) is checked (900).

If it is determined that the borrowing amount related reimbursement related financial service is generated, the operation server 100 calculates a reimbursement amount based on the electronic document for borrowing (905) and, in cooperation with the designated financial server 185, (910), and the financial server (185) executes a money reimbursement process of withdrawing the reimbursement amount and depositing the reimbursement amount to the designated account of the creditor A procedure is performed (910).

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, (915).

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 175 of the information corresponding to the redemption failure 920), the creditor terminal 175 may receive and output information corresponding to the amount repayment failure (925).

FIG. 10 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, in FIG. 10, when a creditor borrows a borrowing amount from a borrower based on an IOU document through the process shown in FIGS. 2 to 6, the operation server 100 reads the amount of the borrowed amount And a process of confirming the fact that the calculated redemption amount is deposited from the debtor to the designated account of the creditor. As a person skilled in the art to which the present invention pertains, 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 characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 10, 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 6, 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 (1000).

If it is determined that the borrowing amount related reimbursement related financial service is generated, the operation server 100 calculates a reimbursement amount based on the electronic document for borrowing (1005) and, in cooperation with the designated financial server 185, (1010), and the financial server (185) performs a financial procedure for confirming the repayment amount (1010).

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 (1015).

If the transaction information indicating that the redemption amount has been repaid from the debtor to the designated account of the creditor is not confirmed, the operating server 100 notifies the creditor terminal 175 of information corresponding to the amount redemption failure (1020) , The creditor terminal 175 may receive and output the information corresponding to the amount repayment failure (1025).

100: Operation server 105: Information receiving unit
110: creditor's personal authentication unit 115: creditor's account authentication unit
120: electronic document generation unit 125: electronic document delivery unit
130: Debtor's identity authentication unit 135: Debtor's account authentication unit
140: Electronic document exchange part 145: Creditor approval confirmation part
150: Borrowing transaction authentication unit 155: Borrowing transaction processing unit
160: electronic document storage unit 165: interest payment processing unit
170: Amount reimbursement processor 175: Creditor terminal
180: Debtor terminal 185: Financial server
190: electronic document server

Claims

1. A method executed via a server communicating with a creditor terminal borrowing money from an individual,
A personal information of a creditor who borrows money from the creditor terminal and personal information of a creditor who owns the money, account information of a debtor who borrows money from the creditor, account information and borrowing information including borrowing information for the money borrowing The method comprising:
A second step of generating an electronic version of an electronic bill of loyalty document proving that the borrower borrows and redeems the borrowing amount corresponding to the borrowing information from the creditor based on the information on the use of the borrowing;
A third step of delivering the electronic document of charter to the debtor terminal used by the debtor;
And transmitting the modified chartered electronic document to the creditor terminal when receiving the charterer's electronic document modified by the debtor from the debtor terminal having received the charterer's electronic document, A fourth step of delivering the electronic document to the creditor terminal when the document is received and the agreement information on the electronic document for the charter is received from the debtor terminal;
An acceptance information for the chartered electronic document is received from the creditor terminal, a withdrawal transaction for withdrawing the borrowing amount from the creditor's financial account on the basis of the approved chartered electronic document and the borrower's financial account with the borrower's financial account A fifth step of performing a financial procedure for interlocking the receipt transaction to be received; And
And a sixth step of performing a procedure of storing an electronic document for charter used in the financial procedure in a designated electronic document storage medium.

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.

The method according to claim 1,
Further comprising the step of performing a creditor authentication process of authenticating the creditor who corresponds to the personal information of the creditor.

The method of claim 3,
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,
Further comprising the step of performing an authentication procedure of an account name in which the name of the financial account corresponding to the account information of the creditor is recognized as the creditor's name in cooperation with the designated financial server on the basis of the personal information and the account information of the creditor Wherein the electronic document-based inter-personal borrowing transaction method comprises:

2. The method according to claim 1,
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,
Further comprising a step of authenticating the debtor who performs the step of authenticating the debtor himself who authenticates the debtor who corresponds to the personal information of the debtor in cooperation with the debtor terminal which has received the said electronic document for debtor, Borrowing transaction method.

The method according to claim 1,
A step of authenticating the debtor who performs the step of authenticating the debtor who authenticates the debtor who corresponds to the personal information of the debtor in association with the debtor terminal that has received the above-mentioned digital signature; And
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, The method of claim 1, further comprising the steps of: receiving an electronic document;

9. The method according to claim 7 or 8, wherein the borrower-
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,
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.

17. The method according to any one of claims 11 to 16,
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.

20. The method of claim 19,
And generating and storing a payment electronic document corresponding to the payment of the interest amount of the debtor.

20. The method of claim 19,
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.

23. The method of claim 22,
Further comprising the step of generating and storing a redeemed electronic document corresponding to the repayment of the borrower's borrowing amount.

23. The method of claim 22,
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.

23. The method of claim 22,
And the amount of the borrowed money or the amount of the borrowed money.