KR20180091421A - 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 at least one of a document containing 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 extracting the interpersonal financial transaction information from the document to store in the database, 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 inter-personal financial transaction information managing apparatus comprising: a receiving unit for receiving at least one of a document containing information related to inter-personal financial transactions and an information inquiry about a money consumer; A database for storing information related to the interpersonal financial transactions; And storing the information related to the inter-personal financial transaction in the document and storing the extracted information in the database, updating the database according to whether the loan is repaid according to the financial transaction between the individuals or the payment of the monthly payment is completed, And a controller for generating and outputting an inter-personal financial transaction history for the fund owner based on the information related to the stored inter-personal financial transactions according to the information inquiry.

The information related to the inter-personal financial transaction includes at least one of inter-personal loan rental information and inter-personal payment information, and the document containing information related to the inter-personal financial transaction may be a PDF document or an image document.

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 entered a document containing information related to the inter-personal financial transaction.

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 a document containing information related to the inter-individual financial transaction, or receives a document containing information related to the inter-individual financial transaction, And the points accumulated for each member can be transmitted to the point sending unit.

Wherein the control unit comprises: a financial transaction information extracting unit for extracting information related to the inter-personal financial transaction from the document; A financial transaction information analyzing unit for analyzing whether the information related to the interpersonal financial transaction extracted by the financial transaction information extracting unit 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 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 a document containing information related to the inter-personal financial transaction, 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 personal financial transaction information according to a preferred embodiment of the present invention is a method for managing personal financial transaction information performed by an inter-personal financial transaction information management apparatus,

Receiving at least one of a document containing information related to the inter-individual financial transaction and an information inquiry about the consumer of the money; Extracting information related to the inter-personal financial transaction from the document and storing the extracted 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 purchaser based on the information related to the stored interpersonal financial transaction in accordance with the information inquiry 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 100, a network 200, a financial company server 300, a credit information company server 400, and an inter-personal financial transaction information management server 500.

Here, the inter-personal financial transaction information management server 500 may be referred to as an inter-personal financial transaction information management device.

The terminal 100 can access the financial company server 300 through the network 200 and apply for a loan.

In addition, the terminal 100 can access the inter-personal financial transaction information management server 500 through the network 200, and can input a PDF document or an image document related to member registration and interpersonal financial transactions of the corresponding terminal user. Here, a PDF document or image document related to inter-personal financial transactions is a document containing inter-personal financial transaction information carried in money market (non-institutional finance). A PDF document or an image document related to an inter-personal financial transaction is a PDF document or an image document, which is a contract (for example, an IOU) or a standardized electronic contract according to mutual financial transaction. Preferably, for ease of extraction and analysis of financial transaction information, PDF documents or image documents based on standardized electronic contracts may be preferable.

Interpersonal financial transaction information may include personal loan information, interpersonal information, and so on.

Interpersonal financial transaction information can be entered directly by the lender (ie the lender) or the borrower (ie, the borrower). For example, since interpersonal loan information is information that borrows funds, it is likely that the loaner will input PDF or image documents containing information on borrowing money between individuals. Since interpersonal redemption information is information that has paid off the borrowed money, it is likely that the borrower will enter the PDF or image document containing interpersonal redemption information. At this time, the interpersonal financial transaction information input screen displayed on the terminal 100 may be separately provided so that the interpersonal financial transaction information management server 500 can easily know who is the lender among the lender and the borrower .

Of course, if required, the borrower may enter a PDF document or image document containing personal borrowing information, or a lender may enter a PDF or image document containing inter-personal reimbursement information.

In the case of member registration through the terminal 100, 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.

On the other hand, in the case of inputting a PDF document or an image document in which the inter-personal fund rental information (that is, information indicating that borrowing or borrowing of money has been made between individuals) is entered, an additional indication can be input to inform that the money is borrowed.

Further, in the case of inputting a PDF document or an image document in which inter-personal redemption information is displayed, it is possible to further input an indication of the reimbursement.

The PDF document or the image document related to the member registration information and the inter-personal financial transaction information may be input through the input windows displayed on the UI screen of the terminal 100. Here, the UI screen of the terminal 100 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 500.

For example, the terminal 100 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 100 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 100 may be a window terminal provided in at least one financial institution branch (or branch office). For example, the window terminal preferably includes a financial terminal used by an employee of a financial institution branch (or branch office).

The terminal 100 may be connected to a communication channel with a financial company server 300 through a predetermined network (e.g., a financial network). The financial network connecting the window terminal and the financial company server 300 preferably includes an affiliate network for connecting communication channels between the window terminal and the financial company server 300.

The network 200 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 200 may be implemented in any type of wireless network such as a mobile radio communication network, a satellite communication network, Bluetooth, a Wireless Broadband Internet (WIBRO), a High Speed Downlink Packet Access (HSDPA) have.

The financial company server 300 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.

In addition, the financial company server 300 requests the credit information company server 400 for a credit information inquiry service, receives the credit information corresponding to the request, and provides normal financial services to the customer.

In particular, when the financial transaction server 300 receives the loan application from the fund consumer, the financial transaction server 300 transmits the financial transaction information in the financial customer of the corresponding money customer and the inter-personal financial transaction history (for example, the inter-personal loan hiring history, Based on this, we determine the loan limit. In other words, when the financial company server 300 receives the loan request from the fund owner, the financial company server 300 accesses the inter-personal financial transaction information management server 500 via the network 200. Then, the financial company server 300 requests information inquiry (i.e., inquiry of the interpersonal financial transaction history) of the corresponding money consumer. Accordingly, the inter-personal financial transaction information management server 500 generates the inter-personal financial transaction history of the corresponding fund purchaser and provides it to the financial company server 300. In other words, the financial company server 300 receives the financial transaction information from the financial customer in the financial customer and the inter-personal financial transaction history (for example, inter-personal fund rental history, inter-personal reimbursement 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 300 determines the loan limit with reference to the financial transaction information and the inter-individual financial transaction history in the financial market of the fund owner, the loan repayment risk is significantly 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 300 should 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 400 stores and updates the history of loans and the like in the institutional bank and personal credit status information. The credit information company server 400 may inquire the credit status for the customer when the customer's resident registration number is inputted as a query word from the financial company server 300 and then transmit the credit status information to the financial company server 300. [

If necessary, the credit information company server 400 may be implemented within a financial company, or may be implemented externally through a private network or the Internet.

The credit information company server 400 refers to a side that audits the personal information of the money consumer and forms a credit rating and generates credit information. The credit information company server 400 includes a credit inquiry server such as NICE evaluation information, a Korea Credit Bureau (KCB) can do.

The inter-personal financial transaction information management server 500 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 500 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 500 converts the numbers, marks, symbols (including Korean characters, alphabets, Chinese characters, punctuation, etc.) included in the PDF document or image document related to the received interpersonal financial transaction into editable text Text extraction can be done later. Here, the extracted text will correspond to inter-personal financial transaction information.

The inter-personal financial transaction information management server 500 contains a PDF document or an image document related to the inter-personal financial transaction that is currently received based on the extracted inter-personal financial transaction information (text), a document containing inter-personal fund rental information, Analyze (grasp) the document and store it in the database. Here, analyzing whether the information contained in the received PDF document or the image document is the inter-personal money borrowing information or the inter-personal reimbursement information can be sufficiently informed by an indication that the money is borrowed or an indication of the repayment.

In other words, the inter-personal financial transaction information management server 500 can store a PDF document or an image document related to the received interpersonal financial transaction, and a document converted from the PDF document or the image document into text in a database. The inter-personal financial transaction information management server 500 can store the inter-personal fund rental information for each member as the PDF document or the image document related to the received inter-personal financial transaction contains the inter-personal money loan information. The inter-personal financial transaction information management server 500 can store the inter-personal redemption information for each member as the PDF document or the image document related to the received inter-user financial transaction is analyzed to contain the inter-personal redemption information.

On the other hand, the inter-personal financial transaction information management server 500 stores the PDF document or the image document related to the inter-personal financial transaction, for example, before or after storing the PDF document or the image document related to the inter- To the other party. For example, when the lender inputs a PDF document or an image document containing inter-personal fund rental information, the inter-personal financial transaction information management server 500 notifies the borrower's mobile phone of the fact. Even if a PDF document or image document containing interpersonal redemption information is entered, the other party is notified. This is because it is better to know the other party.

The inter-personal financial transaction information management server 500 may check whether or not a redeemable date for repayment of the loan including the interest is arrived, and inform the user that the redeemed date is short before the repayment date.

The inter-personal financial transaction information management server 500 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 500 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 500 can notify the lender to the borrower when the repayment or the 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 individual may be, for example, Or a time series aggregation of the above reimbursement information.

Also, the inter-personal financial transaction information management server 500 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 500 can accumulate points for each member. That is, the inter-personal financial transaction information management server 500 may accumulate points corresponding to specific events. For example, each time a PDF document or an image document related to an inter-personal financial transaction is received, a predetermined point can be provided to a lender or a borrower who inputs the document. 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 500 shown in FIG. 1, FIG. 3 is an internal configuration diagram of the database 502 shown in FIG. 2, Fig.

The inter-personal financial transaction information management server 500 includes a receiving unit 501, a database 502, a DB management unit 503, a notification sending unit 504, a point sending unit 505, and a control unit 506.

The receiving unit 501 can receive the membership registration information, the PDF document related to inter-personal financial transactions, the image document, and the information inquiry about the money consumer. Here, the member registration information and the PDF document or the image document related to the inter-personal financial transaction are input from the terminal 100. Information inquiry about the money consumer is input from the financial company server 300.

3, the database 502 includes a member information storage 502a, an inter-personal financial transaction information storage 502b, a money lending information storage 502c, and a reimbursement information storage 502d.

The member information storage unit 502a stores personal information (name, resident registration number, address, ID, password, telephone number, mobile phone number, etc.) of the registered member (e.g., lender, borrower, The member information storage unit 502a 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 502b stores a PDF document or an image document related to the received interpersonal financial transaction, and a document converted from the corresponding PDF document or image document into text. Here, the PDF document or the image document related to the inter-personal financial transaction will be the document containing the inter-personal financial transaction information performed in the non-institutional finance. For example, a PDF document or image document related to an inter-personal financial transaction may be a PDF document or an image document made up of a borrowing or standardized electronic contract.

The fund rental information storage unit 502c stores the fund loan information extracted from the PDF document or the image document related to the received interpersonal financial transaction in a time-series manner for each member. 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 502d stores the redemption information extracted from the PDF document or the image document related to the received interpersonal financial transaction in a time-series manner for each member. 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 502b may be omitted if necessary. This is because the control unit 506 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.

In FIG. 2, the DB management unit 503 can store information in the database 502, update and extract information stored in the database 502, and the like.

The announcement sending unit 504 can send a notice to the lender and / or the borrower informing that the PDF document or the image document related to the inter-personal financial transaction has been inputted. For example, if a lender enters a PDF document or image document containing personal loan information, the borrower can notify the mobile phone of this fact. Even if a PDF document or image document containing interpersonal redemption information is entered, 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 504 can inform the user in advance that the redeemable date is short before the redeeming date, and can inform the user in advance that the redeemed month is not due before the redeeming date.

The point dispatch unit 505 can send the points accumulated to the member to the member. For example, the point dispatch unit 505 may dispatch all points accumulated in the meantime when a member requests the dispatch, or may dispatch a certain amount of points each time a point is 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 506 controls the overall operation of the inter-individual financial transaction information management server 500. That is, the control unit 506 can control operations of the reception unit 501, the DB management unit 503, the announcement sending unit 504, and the point sending unit 505. [ In particular, the control unit 506 can update the information in the database 502 according to whether the loan is repaid or the payment of the monthly payment is completed. In addition, the control unit 506 can generate (extract) the interpersonal financial transaction history for the corresponding fund purchaser and send it to the financial company server 300 upon receiving the information inquiry about the fund purchaser.

4, the control unit 506 includes an information delivery unit 506a, a financial transaction information extraction unit 506b, a financial transaction information analysis unit 506c, a redemption date check unit 506d, a delivery date check unit 506e, A reimbursement determination unit 506f, a delivery determination unit 506g, a point accumulation unit 506h, and a financial transaction history extraction unit 506i.

The information transferring unit 506a transfers the received member registration information, the PDF document or the image document related to the inter-personal financial transaction to the DB management unit 503. The DB management unit 503 may directly store the received member registration information, the PDF document related to the inter-personal financial transaction, or the image document in the database 502 immediately.

The financial transaction information extracting unit 506b extracts the financial transaction information from the financial transaction information by converting the numbers, marks, symbols (including Korean, alphabet, kanji, punctuation, etc.) included in the received PDF document or image document Text extraction can be done later. Here, the extracted text will correspond to inter-personal financial transaction information. For example, the financial transaction information extracting unit 506b may use any one of various OCR (Optical Character Recognition) programs.

The financial transaction information analyzing unit 506c can analyze whether the interpersonal financial transaction information extracted by the financial transaction information extracting unit 506b is interpersonal money borrowing information or interpersonal redemption information. The financial transaction information analyzing unit 506c 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 506c can grasp the lender (creditor) if the inter-personal financial transaction information extracted by the financial transaction information extracting unit 506b is inter-personal lending information. Meanwhile, the financial transaction information analyzing unit 506c can recognize the borrower (borrower) if the interpersonal financial transaction information extracted by the financial transaction information extracting unit 506b is interpersonal redemption information.

The inter-personal financial transaction information is analyzed by the financial transaction information analyzing unit 506c as described above, and the inter-personal financial transaction information is transmitted to the money borrowing information storing unit 502c of the database 502 or the reimbursement information storing unit 502d.

The redemption date check unit 506d can check whether or not the redemption date for reimbursement of the loan including the interest is due. In addition, the redeemable-day check unit 506d may notify the notice-sending unit 504 when the redeemable-date arrives on the day before the specified remainder of the day.

The delivery date check section 506e can check whether or not the delivery date of the month arrives. In addition, the delivery date check unit 506e can inform the guide letter forwarding unit 504 when the delivery date comes before the specified number of days.

The reimbursement determination unit 506f can determine whether or not the loan is repaid. In other words, the reimbursement determination unit 506f may determine whether the reimbursement is made according to whether the reimbursement date is included in the loan (including interest) until the reimbursement date or the reimbursement date in conjunction with the reimbursement date check unit 506d. Then, the reimbursement determination unit 506f will judge based on the loan history and reimbursement history between the corresponding lender and the borrower.

The delivery determination unit 506g can determine whether or not the payment of the monthly payment is completed. In other words, the delivery determination unit 506g can determine whether the payment is completed depending on whether the monthly payment is paid before or after the payment date of the corresponding month in conjunction with the payment date check unit 506e. Then, the delivery determination unit 506g will judge based on the loan history and repayment history between the corresponding lender and the borrower.

Each time the point accumulating unit 506h receives the inter-personal financial transaction information, the point accumulating unit 506h accumulates predetermined points to the member (for example, a lender or a borrower) who has input the corresponding information.

In addition, the point accumulating unit 506h 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 506h are stored in the member information storage unit 502a and stored for each member.

The financial transaction history extracting unit 506i extracts the inter-personal financial transaction history of the corresponding fund purchaser from the information of the database 502 in accordance with the information inquiry about the fund purchaser from the financial company server 300 (that is, It can be extracted on the grounds. That is, the financial transaction history extracting unit 506i can extract the financial transaction history for each member based on the inter-personal financial transaction information of the database 502. [ In other words, the financial transaction history extracting unit 506i extracts the financial transaction history from the financial loan history information storage unit 502c of the database unit 502 and the inter-personal finance Transaction history can be extracted.

The financial transaction history extracting unit 506i can provide the inter-personal financial transaction history of the extracted money consumer to the financial company server 300 through the network 200. [

2, the receiving unit 501 and the control unit 506 are separately configured. However, the receiving unit 501 may be included in the control unit 506, 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 (S100). That is, the user accesses an inter-personal financial transaction information management site (aka, a credit blind site) operated by the inter-personal financial transaction information management server 500 and performs member registration. In the case of member registration through the terminal 100, 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 502. [

When the member registration is completed, the lender or the borrower performs the login by operating the terminal 100 (S102), and inputs a PDF document or an image document related to the inter-personal financial transaction (S104). For example, since interpersonal loan information is information that borrows funds, it is likely that the loaner will input PDF or image documents containing information on borrowing money between individuals. Since the inter-personal reimbursement information is the information on which the loan is paid, the borrower is likely to input the PDF document or the image document containing inter-personal reimbursement information. Of course, it may be the opposite if necessary.

The PDF document or the image document related to the inter-personal financial transaction is transmitted to the inter-personal financial transaction information management server 500 via the network 200.

Thereafter, the inter-personal financial transaction information management server 500 transmits numbers, marks, symbols (including Korean characters, alphabets, Chinese characters, punctuation marks, etc.) included in the received PDF document or image document related to inter- The text can be extracted (S106). Here, the extracted text will correspond to inter-personal financial transaction information.

The inter-personal financial transaction information management server 500 determines whether the PDF document or the image document related to the inter-personal financial transaction that is currently received based on the extracted inter-personal financial transaction information (text) is a document containing the inter-personal fund rental information, Is analyzed (S108). Here, analyzing whether the information contained in the received PDF document or the image document is the inter-personal money borrowing information or the inter-personal reimbursement information can be sufficiently informed by an indication that the money is borrowed or an indication of the repayment.

Then, the inter-personal financial transaction information management server 500 stores a PDF document or an image document related to the inter-personal financial transaction received, and a document converted into a PDF document or an image document into text in a database. The inter-personal financial transaction information management server 500 can store the inter-personal fund rental information for each member since the PDF document or the image document related to the received inter-personal financial transaction contains the inter-personal money loan information. The inter-personal financial transaction information management server 500 can store the inter-personal redemption information for each member as the PDF document or the image document related to the received inter-personal financial transaction contains the inter-personal redemption information (S110).

Thereafter, the inter-personal financial transaction information management server 500 notifies the other party of the person who originally entered the PDF document or image document related to the inter-personal financial transaction (S112). For example, when the lender inputs a PDF document or an image document containing inter-personal fund rental information, the inter-personal financial transaction information management server 500 notifies the borrower's mobile phone of the fact. Even if a PDF document or image document containing interpersonal redemption information is entered, the other party is notified. This is because it is better to know the other side from the viewpoint of confirmation.

The inter-personal financial transaction information management server 500 checks whether or not the reimbursement date or the monthly payment date for repaying the loan including the interest for each borrower arrives. Then, the inter-personal financial transaction information management server 500 transmits to the terminal 100 of the borrower a notice informing that the redeemed date is short before the redeemed payment date, (S114).

Then, the inter-individual financial transaction information management server 500 judges whether the repayment of the loan including the interest or the payment of the monthly payment is completed (S116). 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 interpersonal financial transaction information management server 500 notifies the lender of the payment (S118).

On the other hand, if the loan is not repaid or the monthly payment is not paid despite the payment date or the payment date, the inter-individual financial transaction information management server 500 notifies the borrower and the lender of the payment (S120).

Thereafter, the interpersonal financial transaction information management server 500 updates the information of the database 502 (S122).

Although not shown in the flowchart of FIG. 5, the inter-personal financial transaction information management server 500 may provide a predetermined point to a lender or a borrower who inputs the document each time a PDF document or an image document related to inter-personal financial transactions is received have. 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 100 to access the financial company server 300 to request a loan (S130). Of course, the fund purchaser can directly go to the financial institution and apply for a loan to the financial company server 300 through the window terminal.

Accordingly, the financial company server 300 accesses the inter-personal financial transaction information management server 500 through the network 200 and requests inter-personal financial transaction history for the corresponding money customer (S132, S134). In case that a financial buyer wishes to receive a loan from a financial company in preparation for a legal issue, it is possible to inquire information from the credit blind site operated by the inter-personal financial transaction information management server 500 I accept consent in advance.

Then, the inter-personal financial transaction information management server 500 extracts inter-personal financial transaction history of the corresponding money purchaser in response to the inter-personal financial transaction history request for the money consumer. The inter-personal financial transaction information management server 500 provides the inter-personal financial transaction history of the extracted money demander to the financial company server 300 (S136).

The financial company server 300 determines a 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 (S138).

Then, the financial company server 300 notifies the determined loan limit to the corresponding money demander (S140). 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.

100: terminal
200: Network
300: Financial company server
400: Credit Information Company Server
500: Interpersonal financial transaction information management server
501: Receiver
502: Database
503: DB manager
504:
505: Point sending section
506:

Claims (19)

A receiving unit for receiving at least one of a document containing information related to inter-personal financial transactions and an information inquiry about a consumer of money;
A database for storing information related to the interpersonal financial transactions; And
The information relating to the inter-personal financial transaction is extracted from the document, the information is stored in the database, the database is updated according to whether the loan is redeemed according to the financial transaction between the individuals or the payment of the monthly payment is completed, And a controller for generating and outputting an interpersonal financial transaction history for the fund owner based on the stored information related to the inter-personal financial transaction according to the inquiry. The method according to claim 1,
The information related to the inter-personal financial transaction includes at least one of inter-personal fund rental information and inter-individual payment information,
Wherein the document containing information related to the inter-personal financial transaction is a PDF document or an image document. 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 a document containing information related to the inter-personal financial transaction. 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 guide letter sending unit informs the user that the payment date or month's payout date is not 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,
The control unit receives a document containing information related to the inter-personal financial transaction, accumulates points for the member as the loan is repaid or the monthly payment is paid, and transmits the accumulated points to the point sending unit To the inter-personal financial transaction information management apparatus. The method according to claim 1,
Wherein,
A financial transaction information extracting unit for extracting information related to the inter-personal financial transaction from the document;
A financial transaction information analyzing unit for analyzing whether the information related to the interpersonal financial transaction extracted by the financial transaction information extracting unit 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 accumulating unit for receiving a document containing information related to the inter-personal financial transaction or accumulating points corresponding to the monthly payment as a result of repayment of the loan or payment of the monthly payment to the member Interpersonal financial transaction information management device. 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,
Receiving at least one of a document containing information related to the inter-individual financial transaction and an information inquiry about the consumer of the money;
Extracting information related to the inter-personal financial transaction from the document and storing the extracted 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 information related to the inter-personal financial transaction in response to the information inquiry about the money consumer. The method of claim 11,
The information related to the inter-personal financial transaction includes at least one of inter-personal fund rental information and inter-individual payment information,
Wherein the document containing information related to the inter-personal financial transaction is a PDF document or an image document. 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,
Further comprising the step of sending to the counterpart a notice informing that one of the lender and the borrower has entered a document containing information related to the inter-personal financial transaction. 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 point is received for a member who receives a document containing information related to the inter-personal financial transaction or is paid as a result of 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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