KR20180091420A - Interpersonal financial transaction information management apparatus, interpersonal financial transaction information management method, recording medium storing computer program for executing the same, and computer program storing recording medium for executing the same - Google Patents

Abstract

Disclosed are an interpersonal financial transaction information management apparatus and a method thereof which can manage financial transaction information of an interpersonal cash loan (including a credit, sum, etc.) history, a repayment history, etc. The apparatus comprises: a receiving unit for receiving at least one of interpersonal financial transaction information and an information search for a capital requirer; a database for storing interpersonal financial transaction information; and a control unit for updating the database whether a loan is repaid or a monthly payment is completely paid according to an interpersonal financial transaction, and generating and outputting a history of the interpersonal financial transaction for the capital requirer based on the interpersonal financial transaction information by searching for information for the capital requirer.

Description

[0001] The present invention relates to an inter-personal financial transaction information management apparatus, an inter-personal financial transaction information management method, a computer program for implementing the method, and a computer program stored in a recording medium for implementing the method information management method, recording medium storing computer program for executing same, and computer program storing recording medium for executing same same}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and method for managing inter-personal financial transaction information, and more particularly, to an apparatus and method for managing financial transaction information generated between individuals.

The history of lending in the institutional bank is well kept through the credit bureau (CB). Financial institutions are making good use of information from credit - check firms in grasping the possibility of delinquency.

On the other hand, the history of money lending in the money market has not been used for official records and judgment on delinquency of financial institutions and money laundering loans.

As a result, information on the use of existing institutional bank loans only has a limitation in accurately grasping the delinquent history of borrowers.

Prior Art 1: Korean Patent No. 10-0773295 (Interpersonal Loan Mediation System and Method) Prior Art 2: Korean Patent No. 10-0922385 (individual-to-individual loan brokerage system)

SUMMARY OF THE INVENTION The present invention has been proposed in order to solve the above-described problems of the related art, and it is an object of the present invention to provide an inter-personal financial transaction information management apparatus and method capable of managing financial transaction information such as a personal bills (trauma, The purpose is to provide.

According to another aspect of the present invention, there is provided an apparatus for managing inter-individual financial transaction information, comprising: a receiving unit for receiving at least one of inter-personal financial transaction information and information on a request for information about a user; A database for storing the inter-personal financial transaction information; And updating the database according to whether the loan is reimbursed according to a financial transaction between individuals or whether payment of a monthly payment is completed or not, and, based on the stored interpersonal financial transaction information, And a control unit for generating and outputting a financial transaction history.

The inter-personal financial transaction information may include at least one of inter-personal fund rental information and inter-personal reimbursement information, and the receiving unit may receive data for proving that there is an inter-personal financial transaction when receiving the inter-personal financial transaction information.

The receiving unit may receive an inquiry about information about the money consumer from a financial company server, and the control unit may provide an interpersonal financial transaction history to the financial consumer to the financial company server.

And a notification message sending unit for sending a notice to the other party informing that one of the lender and the borrower has input the inter-personal financial transaction information.

When the day of payment of the loan or the payment date of the monthly payment arrives on the day before the specified number of days before the loan arrives, the control unit informs the notice sending unit of the payment, and the notice sending unit may notify that the payment date .

The announcement sending unit may notify one or more of the lender and the borrower whether the loan is repaid or whether the monthly payment is paid.

And a point sending unit for sending the accumulated points to the member, wherein the control unit receives the inter-personal financial transaction information or accumulates points for the member as the loan is repaid or the monthly payment is paid And the point accumulated for each member can be transmitted to the point sending unit.

Wherein the control unit analyzes the received inter-personal financial transaction information to determine whether the received inter-personal financial transaction information is inter-personal fund lending information or inter-personal reimbursement information; A redemption date check unit for checking whether or not the redemption date of the loan has arrived; A delivery date check unit for checking whether or not the delivery date of the monthly payment is arrived; A reimbursement determination unit for determining whether the loan is redeemed in conjunction with the reimbursement date check unit; A delivery determination unit operable to determine whether payment of the monthly payment is completed in cooperation with the delivery date check unit; And a financial transaction history extracting unit for extracting and outputting the interpersonal financial transaction history of the corresponding money purchaser based on the information of the database in accordance with the information inquiry about the money consumer.

The control unit may further include a point accumulation unit for receiving the inter-personal financial transaction information, or accumulating points corresponding to the monthly payment, when the loan is repaid or the monthly payment is paid to the member.

The points accumulated by the point accumulating unit may be stored in the database for each member.

The method for managing inter-personal financial transaction information according to a preferred embodiment of the present invention is a method for managing inter-personal financial transaction information performed by an inter-personal financial transaction information management apparatus, comprising the steps of: Receiving; Storing the inter-personal financial transaction information in a database; Updating the database according to whether the loan is redeemed according to a financial transaction between individuals or whether payment of a monthly payment is completed; And generating and outputting an interpersonal financial transaction history for the fund owner based on the stored interpersonal financial transaction information according to an inquiry about information about the fund purchaser.

According to the present invention having such a configuration, it is possible to construct a system capable of managing the history of money borrowing between individuals (including trauma, system, etc.) and redeeming history, and to use another financial institution Information infrastructure (infra) can be built.

In particular, accumulation of information on the transaction of lending transactions will help to establish a credit society by allowing the lending to be carried out with reference to the personal loan history information in the institutional financial system and the non-financial financial system. In addition, it can provide an effect of drastically improving the loan repayment degree of the loan customer in the money market.

In addition, the delinquency possibility of the delinquency possibility can be greatly improved.

1 is a configuration diagram of a system employing an inter-individual financial transaction information management apparatus according to an embodiment of the present invention.
2 is an internal configuration diagram of the inter-personal financial transaction information management server shown in FIG.
3 is an internal configuration diagram of the database shown in FIG.
4 is an internal configuration diagram of the control unit shown in FIG.
5 is a flowchart illustrating an inter-personal financial transaction information management method according to an embodiment of the present invention.
6 is a flowchart for explaining an application example of interpersonal financial transaction information.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail.

It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the relevant art and are to be interpreted in an ideal or overly formal sense unless explicitly defined in the present application Do not.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In order to facilitate the understanding of the present invention, the same reference numerals are used for the same constituent elements in the drawings and redundant explanations for the same constituent elements are omitted.

1 is a configuration diagram of a system employing an inter-individual financial transaction information management apparatus according to an embodiment of the present invention.

The system shown in FIG. 1 includes a terminal 10, a network 20, a financial company server 30, a credit information company server 40, and an inter-personal financial transaction information management server 50.

Here, the inter-personal financial transaction information management server 50 may be referred to as an inter-personal financial transaction information management device.

The terminal 10 can access the financial company server 30 through the network 20 and apply for a loan.

In addition, the terminal 10 can access the inter-personal financial transaction information management server 50 via the network 20, and can register member and inter-personal financial transaction information of the corresponding terminal user. Here, the inter-personal financial transaction information is information on the financial transaction between individuals engaged in money laundering (non-institutional finance), and may include inter-personal fund rental information and inter-personal redemption information.

Here, the inter-personal financial transaction information can be input directly by the lender (that is, the lender) or the borrower (that is, the borrower). For example, since the personal loan information is information that lends money, it is likely that the lender will enter it, and the inter-personal reimbursement information is information that has paid off the borrowed money, so the borrower is likely to input it. At this time, the interpersonal financial transaction information input screen displayed on the terminal 10 may be separately input so that the interpersonal financial transaction information management server 50 can easily know who is the lender among the lender and the borrower .

Of course, if necessary, the borrower may input personal loan fund information, or the lender may enter inter-personal loan information.

In the case of member registration through the terminal 10, for example, a name, a resident registration number, an address, an ID, a password, a telephone number, and a mobile phone number can be input.

In the case of inputting personal loan information (that is, information indicating that borrowed money has been borrowed or borrowed), an indication that the borrower is financially available, a name of the lender (creditor) and a resident registration number, a name of the borrower (Or the period of the loan), the penalty in the case of expiration, the date of creation, the address of the lender and the borrower, the telephone number of the lender and the borrower, the amount of the borrowed amount or borrowed amount, Number or cell phone number.

In addition, after inputting the inter-personal fund rental information, a contract (for example, a charter or the like) or a standardized electronic contract for the inter-individual loan of funds is photographed (for example, upload ). Of course, it is okay to upload a notarized certificate.

In the case of inputting inter-personal redemption information, an indication of the redemption, the name and resident registration number of the redeemed borrower, the redemption amount, the redemption date, the monthly payment, the payment date for the redemption date, the redemption amount or the monthly payment amount, ), A resident registration number, a telephone number of a lender or a borrower, or a mobile phone number. Here, the redemption amount may refer to an amount corresponding to the entire amount of the loan including the interest, and the monthly payment may mean the amount to be paid on a regular basis every month.

In addition, after inputting the inter-personal redemption information, it is preferable to image (for example, upload) a copy of the passbook or the like on which the reimbursement amount or the monthly payment is displayed in order to secure the reliability of the input information.

The above-described member registration information, inter-personal fund rental information, and inter-personal reimbursement information may be input through input windows displayed on the UI screen of the terminal 10. Here, the UI screen of the terminal 10 may be provided at an inter-personal financial transaction information management site (also called a credit blind site) operated by the inter-personal financial transaction information management server 50.

For example, the terminal 10 may be implemented as a portable terminal or a computer. Here, the portable terminal is a wireless communication device that is guaranteed to be portable and mobility, and can be used as a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS) Handheld devices such as a handheld device, an assistant, an IMT (International Mobile Telecommunication) -2000, a Code Division Multiple Access (CDMA) -2000, a W-CDMA ) Based wireless communication devices. The computer may include a desktop, a notebook, a laptop, and the like on which a WEB Browser is mounted. In addition, the terminal 10 may be a smart device such as a smart phone, a smart note, a tablet PC, a wearable computer, or the like.

In addition, the terminal 10 may be a window terminal provided in at least one financial institution branch (or business branch). For example, the window terminal preferably includes a financial terminal used by an employee of a financial institution branch (or branch office).

The terminal 10 may be connected to a communication channel with a financial company server 30 through a predetermined network (e.g., a financial network). The financial network connecting the window terminal and the financial company server 30 preferably includes an affiliate network connecting the communication channel between the window terminal and the financial company server 30. [

The network 20 may be implemented in any type of wired network such as a local area network (LAN), a wide area network (WAN), or a value added network (VAN).

The network 20 may be implemented in any type of wireless network such as a mobile radio communication network, a satellite communication network, a Bluetooth, a Wireless Broadband Internet (Wibro), a High Speed Downlink Packet Access (HSDPA) have.

The financial company server 30 is managed by a company such as a financial company that performs financial services based on credit information. Here, a financial institution can be a bank, a card company, an insurance company, or a securities company.

Further, the financial company server 30 requests the credit information company server 40 for a credit information inquiry service, receives the corresponding credit information corresponding to the request, and provides normal financial services to the customer.

In particular, when the financial institution server 30 receives a request for a loan from a fund owner, the financial transaction server 30 acquires financial transaction information from the financial customer in the financial fund and the inter-personal financial transaction history (for example, inter-personal fund rental history, inter-personal reimbursement history, etc.) Based on this, we determine the loan limit. In other words, when the financial company server 30 receives the loan application from the money consumer, the financial company server 30 accesses the inter-personal financial transaction information management server 50 via the network 20. [ Next, the financial company server 30 requests information inquiry (i.e., inquiry of inter-personal financial transaction history) for the corresponding money consumer. Accordingly, the inter-personal financial transaction information management server 50 generates the inter-personal financial transaction history of the corresponding fund purchaser and provides it to the financial company server 30. In other words, the financial company server 30 receives the financial transaction information from the financial consumer of the corresponding money consumer and the inter-personal financial transaction history (for example, inter-personal money rental history, inter-personal payment history, etc.) You can determine the loan limit.

Since conventional financial institutions do not manage information on the history of inter-personal money lending in the financial market, it is not possible to reflect the history of inter-individual financial transactions of the financiers in determining the loan limit of the money consumer. As a result, the ability of the borrower to repay the loan is erroneously determined.

However, according to the embodiment of the present invention, since the financial institution server 30 determines the loan limit with reference to the financial transaction information and the inter-individual financial transaction history in the financial market of the money buyer, the loan repayment risk is drastically reduced . In addition, it is possible to greatly improve the delinquency possibility prediction predicting ability.

In the embodiment of the present invention, the financial company server 30 must receive the third party information providing agreement from the fund owner. The information of the consumer of the money may be provided to the financial institution, the person who wants to borrow the money, or the like, requesting the transaction history information for the credit information reference.

The credit information company server 40 stores and updates the history of loans and the like in the institutional bank and personal credit status information. The credit information company server 40 can inquire the credit status for the customer and send the credit status information to the financial company server 30 when the customer's resident registration number is inputted as a query word from the financial company server 30.

If necessary, the credit information company server 40 may be implemented within a financial institution, or may be implemented externally through a private network or the Internet.

The credit information company server 40 refers to the side that audits the personal information of the money consumer to form a credit rating and generates credit information. The credit information company server 40 includes a credit inquiry server such as NICE evaluation information and KCB (Korea Credit Bureau) can do.

The inter-personal financial transaction information management server 50 operates a predetermined inter-personal financial transaction information management site (also called a credit blind site) capable of performing the inter-personal financial transaction information management service. The inter-personal financial transaction information management server 50 can perform member registration through the corresponding site. When registering a member, it is desirable that a lender, a borrower, and a money buyer (a person who requests a loan to a financial institution) all register their name and register as a member. In addition, the need to use a public certificate for non-repudiation can be considered. If the content of the uploaded personal financial transaction information is false, the party causing the problem is liable for the legal problems such as insubordination and defamation, and the company providing the service is not responsible None can be specified.

The inter-personal financial transaction information management server 50 stores the corresponding information (including the contract and the standardized electronic contract) in the internal database as it receives the inter-personal financial transaction information.

The inter-personal financial transaction information management server 50 determines whether the received inter-personal financial transaction information is inter-personal fund lending information or inter-personal reimbursement information, and separately stores the inter-personal financial transaction information for each member in the database. Here, it is sufficient to grasp whether the received inter-personal financial transaction information is inter-personal fund lending information or inter-personal reimbursement information by an indication indicating that the money lending is an indication or an indication that it is a reimbursement.

Meanwhile, the inter-personal financial transaction information management server 50 notifies the other party of the inter-personal financial transaction information before or after storing the received inter-personal financial transaction information in the database. For example, when the lender inputs the inter-personal fund rental information, the inter-personal financial transaction information management server 50 notifies the borrower's mobile phone of the fact. Even if interpersonal redemption information is inputted, the other party is notified. This is because it is better to know the other party.

The inter-personal financial transaction information management server 50 may check whether or not a redeemable date for reimbursement of the loan including the interest has arrived, and inform the user in advance that the redeemed date is not before the redeemed reimbursement date.

The inter-personal financial transaction information management server 50 may check whether or not the payment date of the month arrives, and may inform the user in advance that the payment date of the month is not paid before the payment date of the corresponding month.

Also, the inter-personal financial transaction information management server 50 may determine whether the repayment of the loan including the interest has been completed or whether the payment of the monthly payment has been completed, and notify the lender and / or the borrower. Here, whether the repayment of the loan including the interest or whether the payment of the monthly payment is completed can be judged based on the loan history and repayment history between the corresponding lender and the borrower.

For example, the inter-personal financial transaction information management server 50 can notify the lender to the borrower when the repayment or payment of the monthly payment is completed, and notify the borrower and the lender if the repayment or the payment of the monthly payment is not completed.

In the specification of the present invention, the inter-personal fund rental history may mean, for example, a time series collection of one or more fund rental information between the lender A and the borrower B, and the repayment history between the individuals may be, for example, one between the lender A and the borrower B Or a time series aggregation of the above reimbursement information.

In addition, the inter-personal financial transaction information management server 50 updates the information of the database when the repayment of the loan including the interest or the payment of the monthly payment is completed.

Interpersonal financial transaction information management server 50 can accumulate points for each member. That is, the inter-personal financial transaction information management server 50 can accumulate points corresponding to the specific event when generating the specific event. For example, each time the user receives the inter-personal financial transaction information, a predetermined point can be provided to the lender or the borrower who has entered the information. Of course, depending on the need, different points may be provided depending on the amount of the loan (redemption amount) and the amount of the monthly payment.

FIG. 2 is an internal configuration diagram of the inter-personal financial transaction information management server 50 shown in FIG. 1, FIG. 3 is an internal configuration diagram of the database 52 shown in FIG. 2, Fig.

The inter-personal financial transaction information management server 50 includes a receiving unit 51, a database 52, a DB management unit 53, a notice sending unit 54, a point sending unit 55, and a control unit 56.

The receiving unit 51 can receive member registration information, interpersonal financial transaction information, and information inquiry about the money consumer. Here, the member registration information and the inter-personal financial transaction information are input from the terminal 10. Information inquiry about the money consumer is inputted from the financial company server 30.

3, the database 52 includes a member information storage unit 52a, an inter-personal financial transaction information storage unit 52b, a fund rental information storage unit 52c, and a reimbursement information storage unit 52d.

The member information storage unit 52a stores personal information (name, resident registration number, address, ID, password, telephone number, mobile phone number, etc.) of registered members (e.g., lender, borrower, and money consumer). The member information storage unit 52a stores points accumulated for each member. Each time you enter personal financial transaction information, a small amount of points can be credited to the member. Of course, even if the reimbursement has been completed or the monthly payment has been paid, the points can be credited to the member.

The inter-personal financial transaction information storage unit 52b stores the received inter-personal financial transaction information (for example, inter-personal bank lending information, inter-personal reimbursement information, a copy of a contract, a standardized electronic contract copy, and a copy of a passbook proving reimbursement) .

The fund rental information storage unit 52c stores the fund rental information for each member in a time series manner. Member A lends a certain amount of money to Members B, C and D. For example, he lends 50 million won to member B on January 1, 2017 and 30 million won to member C on January 2, 2017 , And that member D borrowed 20 million won on January 3, 2017. Then, inter-personal loan information between member A and member B, between member A and member C, and between member A and member D for member A will be stored in a time-series manner. In this way, the personal loan information for individual members stored in a time-series manner will be a personal loan history for each member.

The redemption information storage unit 52d stores redemption information for each member in a time-series manner. For example, suppose member D repays 20 million won to member E on January 1, 2017, and 30 million won to member F on January 8, 2017. Then, inter-personal redemption information between member D and member E for member D and between member D and member F will be stored in a time-series manner. In this way, the inter-personal reimbursement information for each member stored in a time-series manner will become the inter-individual reimbursement history for each member.

The interpersonal financial transaction information storage unit 52b described above may be omitted. This is because the control unit 56 can analyze the type of inter-personal financial transaction information (i.e., inter-personal fund rental information and inter-individual payment information) as described later.

2, the DB management unit 53 may store information in the database 52, update and extract information stored in the database 52, and the like.

The notification sentence sending unit 54 may send a notice to the lender and / or the borrower informing that the inter-personal financial transaction information has been input. For example, if a lender has entered personal lending information, it may notify the borrower's mobile phone of this fact. Even if interpersonal redemption information is inputted, the other party is notified. When the repayment of the loan or the payment of the monthly payment is completed, the lender can be informed, and if the repayment or the payment of the monthly payment is not completed, it can be notified to the borrower and the lender. Of course, when the repayment of the loan or the payment of the monthly payment is completed, not only the lender but also the borrower can be notified.

On the other hand, the announcement sending unit 54 can inform the user in advance that the redeemed date is short before the redemption date, and can inform the user in advance that the month's payout date is not before the redemption date.

The point sending unit 55 can send the accumulated points to the member. For example, the point sending unit 55 may send out all points accumulated in the meantime when a request is made by the member, or may be sent each time a certain amount of points are accumulated. Such a point can function as a currency, and therefore can be used when repaying a loan or paying a monthly payment amount.

The control unit 56 controls the overall operation of the inter-individual financial transaction information management server 50. In other words, the control unit 56 can control the operations of the receiving unit 51, the DB management unit 53, the announcement sending unit 54, and the point sending unit 55. In particular, the control unit 56 may update the information in the database 52 according to whether the loan is repaid or the payment of the monthly payment is completed. In addition, the control unit 56 can generate (extract) the interpersonal financial transaction history for the corresponding money consumer and send it to the financial company server 30 upon receipt of the information inquiry about the money consumer.

4, the control unit 56 includes an information transfer unit 56a, a financial transaction information analyzing unit 56b, a redemption date check unit 56c, a delivery date checking unit 56d, a reimbursement determination unit 56e, A delivery determining unit 56f, a point accumulating unit 56g, and a financial transaction history extracting unit 56h.

The information transferring unit 56a transfers the member registration information and inter-personal financial transaction information received in the receiving unit 51 to the DB management unit 53. [ The DB management unit 53 will directly store the received member registration information and interpersonal financial transaction information in the database 52. [

The financial transaction information analyzing unit 56b can analyze whether the received interpersonal financial transaction information is interpersonal money borrowing information or interpersonal redemption information. The financial transaction information analyzing unit 56b can sufficiently analyze the financial transaction information by an indication that it is a loan of funds or an indication that it is a reimbursement.

Then, the financial transaction information analyzing unit 56b can grasp the lender (creditor) if the inter-personal financial transaction information received is inter-personal lending information. Meanwhile, the financial transaction information analyzing unit 56b can recognize the borrower (borrower) if the received interpersonal financial transaction information is interpersonal redemption information.

The inter-personal financial transaction information is analyzed by the financial transaction information analyzing unit 56b as described above through the DB management unit 53 to the financial loan information storage unit 52c or the reimbursement information storage unit 52d.

The redeemed-day check unit 56c can check whether or not a redeemable date for repaying the loan including the interest is due. In addition, the redeemed-day check unit 56c may notify the notice-informing unit 54 of the redeemed date when the redeemed date arrives on the day before the specified number of days.

The delivery date check section 56d can check whether or not the delivery date of the month arrives. The delivery date check section 56d may notify the notice delivery section 54 when the delivery date falls before the specified number of days.

The reimbursement determination unit 56e can determine whether or not the loan is repaid. In other words, the reimbursement determination unit 56e can determine reimbursement depending on whether a loan (including interest) is deposited before the reimbursement date or the redeemable date in conjunction with the reimbursement date check unit 56c. The reimbursement determination unit 56e will judge based on the loan history and the reimbursement history between the corresponding lender and the borrower.

The delivery determination unit 56f can determine whether or not the payment of the monthly payment is completed. In other words, the delivery determination unit 56f can determine whether the payment is completed depending on whether the payment of the monthly payment is made before or after the payment date of the corresponding month in conjunction with the payment date checking unit 56d. Then, the delivery determination unit 56f will judge based on the history of loan lending between the lender and the borrower and the repayment history.

Each time the point accumulating unit 56g receives the inter-personal financial transaction information, the point accumulating unit 56g accumulates predetermined points to the member (e.g., lender, borrower) who has input the corresponding information.

In addition, the point accumulating unit 56g can accumulate a predetermined point to the member when the loan is fully repaid or the monthly payment is paid. Of course, depending on the need, different points can be earned depending on the amount of the loan (redemption amount) and the amount of the monthly payment.

The points accumulated by the point accumulation unit 56g are stored in the member information storage unit 52a and stored for each member.

The financial transaction history extracting unit 56h extracts the inter-personal financial transaction history of the corresponding money purchaser from the information of the database 52 in accordance with the information inquiry about the money demander from the financial company server 30 (that is, It can be extracted on the grounds. That is, the financial transaction history extracting unit 56h can extract the financial transaction history for each member based on the inter-personal financial transaction information of the database 52. [ In other words, the financial transaction history extracting unit 56h extracts the financial transactions history of the member (the fund consumer) who wishes to inquire based on the information of the fund rental information storage unit 52c and the redemption information storage unit 52d of the database unit 52, Transaction history can be extracted.

The financial transaction history extracting unit 56h may provide the inter-personal financial transaction history of the extracted money demander to the financial company server 30 through the network 20. [

2, the receiving unit 51 and the control unit 56 are separately configured. However, the receiving unit 51 may be included in the control unit 56, if necessary.

5 is a flowchart illustrating an inter-personal financial transaction information management method according to an embodiment of the present invention.

First, the member is registered (S10). That is, the user accesses the inter-personal financial transaction information management site (also called a credit blind site) operated by the inter-personal financial transaction information management server 50 and performs member registration. In the case of member registration through the terminal 10, for example, a name, a resident registration number, an address, an ID, a password, a telephone number, and a mobile phone number can be input. The member at this time may be a lender, a borrower, or a consumer of funds. When you register for membership, you may be given a real name certificate, and an authorized certificate may be adopted for non-repudiation. The information according to the member registration is stored in the member information storage unit 52a of the database 52. [

Upon completion of the member registration, the lender or the borrower operates the terminal 10 to log in (S12), and inputs inter-personal financial transaction information (S14). For example, among the inter-personal financial transaction information, the inter-personal loan information is likely to be input by the lender because the information is lent money, and the inter-personal reimbursement information is the information on which the loan is paid. Of course, if necessary, the borrower may input personal loan fund information, or the lender may enter inter-personal loan information. When inputting personal loan information or interpersonal information, it is advisable to attach data to prove the credibility of the input information. Here, verifiable data may include a copy of a contract (eg, an IOU) for a monetary transaction between individuals, a copy of a standardized electronic contract, a copy of a notarized IOU, a reimbursement or a copy of a bankbook showing the monthly payment.

The inter-personal financial transaction information is transmitted to the inter-personal financial transaction information management server 50 via the network 20.

Thereafter, the inter-personal financial transaction information management server 50 notifies the other party of the person who entered the inter-personal financial transaction information (S16). For example, if a lender has entered personal lending information, it notifies the borrower's mobile phone of this fact. Even if interpersonal redemption information is inputted, the other party is notified. This is also necessary for confirmation.

Then, the inter-individual financial transaction information management server 50 stores the received inter-personal financial transaction information (including the contract, standardized electronic contract, etc.) in the inter-personal financial transaction information storage unit 52b of the database 52. [ In addition, the inter-personal financial transaction information management server 50 analyzes whether the received inter-personal financial transaction information is the inter-personal bank lending information or the inter-personal reimbursement information, and stores the corresponding information in the money lending information storage unit 52c or the re- 52d (S18).

The order of steps S16 and S18 described above may be changed.

Thereafter, the inter-personal financial transaction information management server 50 checks whether the reimbursement date or the monthly payment date for repaying the loan including the interest for each borrower comes. Then, the inter-personal financial transaction information management server 50 transmits to the terminal 10 of the borrower a notice informing that the redeemed date is short before the redeemed day, (S20).

Then, the inter-individual financial transaction information management server 50 judges whether the repayment of the loan including the interest or the payment of the monthly payment is completed (S22). Here, whether the repayment of the loan including the interest or whether the payment of the monthly payment is completed can be made based on the checking of the repayment date or the date of payment, the loan history of the loan between the corresponding lender and the borrower, and the repayment history.

If the repayment of the loan or the payment of the monthly payment is completed, the inter-personal financial transaction information management server 50 notifies the lender of the payment (S24).

On the contrary, if the loan has not been repaid or the monthly payment has not been paid despite the payment date or the payment due date, the interpersonal financial transaction information management server 50 notifies the borrower and lender of the payment (S26).

Thereafter, the interpersonal financial transaction information management server 50 updates the information of the database 52 (S28).

Although not shown in the flow chart of FIG. 5, the inter-personal financial transaction information management server 50 may provide predetermined points to the lender or the borrower who inputs the information each time the inter-personal financial transaction information is received. If the loan has been repaid or the monthly payment has been paid, a predetermined point can be provided to the corresponding patient or the payer.

6 is a flowchart for explaining an application example of interpersonal financial transaction information.

First, the fund owner operates the terminal 10 to access the financial company server 30 to apply for a loan (S40). Of course, the fund purchaser can directly go to the financial institution and apply for a loan to the financial company server 30 through the window terminal.

Accordingly, the financial company server 30 accesses the inter-personal financial transaction information management server 50 via the network 20, and requests inter-personal financial transaction history for the corresponding money buyer (S42, S44). In case that a financial buyer wants to obtain a loan from a financial company in preparation for a legal issue, the information is searched from the credit blind site operated by the inter-personal financial transaction information management server 50 I accept consent in advance.

Then, the inter-personal financial transaction information management server 50 extracts inter-personal financial transaction history of the corresponding money consumer in response to the inter-personal financial transaction history request for the money consumer. The inter-personal financial transaction information management server 50 provides the inter-personal financial transaction history of the extracted money demander to the financial company server 30 (S46).

The financial company server 30 determines the loan limit based on the financial transaction information of the corresponding financial customer in the financial sector and the inter-personal financial transaction history (for example, inter-personal fund rental history, inter-personal reimbursement history, etc.) of the corresponding money consumer (S48).

Then, the financial institution server 30 notifies the determined loan limit to the corresponding money demander (S50). Here, the notification can be confirmed through the terminal 10 of the corresponding money consumer or through a bank agent operating the window terminal.

Since the conventional financial service server does not manage information about the inter-personal money lending history at the money market, it can not reflect the inter-personal financial transaction history of the money demander in determining the loan limit of the money consumer. As a result, the ability of the borrower to repay the loan is erroneously determined.

However, in the embodiment of the present invention, the financial company server 30 determines the loan limit by referring to the financial transaction information and the inter-personal financial transaction history in the financial customer's financial area, so that the risk of loan repayment can be drastically reduced . In addition, it is possible to greatly improve the delinquency possibility prediction predicting ability.

In addition, the above-described interpersonal financial transaction information management method of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

As described above, an optimal embodiment has been disclosed in the drawings and specification. While specific terms have been employed herein, they are used for the purpose of describing the invention only and are not used to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: Terminal
20: Network
30: Financial company server
40: Credit Information Company Server
50: Interpersonal financial transaction information management server
51: Receiver
52: Database
53: DB manager
54:
55: point dispatch department
56:

Claims (19)

A receiver for receiving at least one of inter-personal financial transaction information and information inquiry about a money buyer;
A database for storing the inter-personal financial transaction information; And
Updating the database according to whether the loan is reimbursed according to a financial transaction between individuals or whether payment of a monthly payment is completed or not, and, based on the stored interpersonal financial transaction information, And a controller for generating and outputting a transaction history. The method according to claim 1,
Wherein the inter-personal financial transaction information includes at least one of inter-personal fund rental information and inter-individual payment information,
Wherein the receiving unit receives data for verifying that the inter-personal financial transaction has occurred when receiving the inter-personal financial transaction information. The method according to claim 1,
The receiving unit receives an inquiry about the information about the fund owner from the financial company server,
Wherein the control unit provides the inter-personal financial transaction history to the financial customer to the financial customer server. The method according to claim 1,
And a notification message sending unit for sending a notice to the other party informing that one of the lender and the borrower has input the inter-personal financial transaction information. The method of claim 4,
The control unit informs the notice sending unit when the payment date of the loan or the payment date of the monthly payment arrives on the day before the specified day,
Wherein the announcement sending unit informs that the pay-out date or month's payout date is short. The method of claim 4,
The notification-
And informs at least one of the lender and the borrower whether the loan is repaid or whether the monthly payment is paid. The method according to claim 1,
And a point sending unit for sending the accumulated points to the member,
Wherein the control unit receives the inter-personal financial transaction information, accumulates points for the member according to the repayment of the loan or the payment of the monthly payment, and transmits the accumulated points to the point sending unit. Inter-personal financial transaction information management device. The method according to claim 1,
Wherein,
A financial transaction information analyzer for analyzing whether the received interpersonal financial transaction information is interpersonal money borrowing information or interpersonal redemption information;
A redemption date check unit for checking whether or not the redemption date of the loan has arrived;
A delivery date check unit for checking whether or not the delivery date of the monthly payment is arrived;
A reimbursement determination unit for determining whether the loan is redeemed in conjunction with the reimbursement date check unit;
A delivery determination unit operable to determine whether payment of the monthly payment is completed in cooperation with the delivery date check unit; And
And a financial transaction history extracting unit for extracting and outputting the interpersonal financial transaction history of the corresponding fund purchaser based on the information of the database in accordance with the information inquiry about the money demander. The method of claim 8,
Wherein,
And a point accumulation unit for receiving the interpersonal financial transaction information or accumulating points corresponding to the monthly payment as the loan is repaid or the monthly payment is paid to the member. . The method of claim 9,
And the points accumulated by the point accumulating unit are stored for each member in the database. An inter-personal financial transaction information management method performed by an inter-personal financial transaction information management apparatus,
Interpersonal financial transaction information, and information inquiry about a money user;
Storing the inter-personal financial transaction information in a database;
Updating the database according to whether the loan is redeemed according to a financial transaction between individuals or whether payment of a monthly payment is completed; And
And generating and outputting an interpersonal financial transaction history for the fund owner based on the stored inter-personal financial transaction information in accordance with the information inquiry about the money consumer. The method of claim 11,
Wherein the inter-personal financial transaction information includes at least one of inter-personal fund rental information and inter-individual payment information,
Wherein the receiving step receives the data together with the proof of the inter-personal financial transaction when receiving the inter-personal financial transaction information. The method of claim 11,
Wherein the receiving step receives an information inquiry about the fund owner from a financial company server,
Wherein the outputting step provides the inter-personal financial transaction history to the financial consumer to the financial company server. The method of claim 11,
And sending a notice to the other party informing that one of the lender and the borrower has input the inter-personal financial transaction information. 15. The method of claim 14,
Wherein said sending comprises:
Further comprising the step of informing that the payment date of the loan or the payment date of the monthly payment is short. 15. The method of claim 14,
Wherein said sending comprises:
And informing at least one of the lender and the borrower whether or not the loan is repaid or the monthly payment is paid. The method of claim 11,
And sending the accumulated points to the corresponding member,
Wherein the points are accumulated for the member according to the receipt of the interpersonal financial transaction information, the repayment of the loan, or the payment of the monthly payment. A computer-readable recording medium having recorded thereon a computer program for performing the inter-personal transaction information management method according to any one of claims 11 to 17. A computer program stored in a computer-readable recording medium for performing the method for managing inter-individual financial transaction information according to any one of claims 11 to 17.

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