KR20190110071A - Smart installment financial services system - Google Patents

Abstract

Disclosed is a smart installment finance service method for a smart installment finance service system connected to at least one buyer terminal and a supplier terminal through a network. An embodiment of the present invention comprises the steps of: allowing a server to provide items for confirmation of a user and use of personal information when a buyer terminal connects thereto to apply for simple installment finance; allowing the server to receive identification information from the buyer terminal; allowing the server to receive applicant information from the buyer terminal; allowing the server to receive, from the buyer terminal, purchase information for installment finance; allowing the server to provide a notice to the buyer terminal; and allowing the server to evaluate the credit of the buyer and provide installment finance transaction conditions including a loan amount, an annual interest rate, an installment period, and a monthly installment. Thus, installment finance can be easily used by using the supplier terminal (240) of a supplier selling a product and the buyer terminal for purchasing the product.

Description

Smart installment financial services system

The present invention relates to a smart installment financial service system and method, and more particularly, a smart installment financial service system for easily using installment financing by using a supplier terminal of a supplier selling a product and a buyer terminal purchasing a product; It is about a method.

In general, users use installment financing when buying cars or goods.

Installment financing is a financial instrument in which an installment financing company lends out all necessary funds in accordance with an individual's credit if the buyer is unable to purchase the product on a lump sum payment, and the individual pays the installment in installments over a period of time.

Installment financing allows buyers to purchase essential necessities and repay them over long periods even if they do not have a credit card or money.In addition, product suppliers, manufacturers and distributors, can not only promote product sales, but also pay cash directly for product sales. This is very useful for both buyers and suppliers in that the payback of the credit sales eliminates the burden of payback and facilitates financing.

Therefore, banks can installment financing not only at bank counters but also online so that users can conveniently receive installment financing services.

However, the installment financing system using the conventional internet banking system checks the maximum loan rate and interest rate by accessing the Internet banking of the financial institution through the customer's own terminal and inputting his / her personal information, but the financial institution does not have a certificate. Customers or customers who are not familiar with the system, it is difficult to use the system by themselves, so its utilization has declined.

In addition, most of the conventional lending systems were provided with limited installment financing services outside the sales office, and customers were dissatisfied with the installment financing services. Especially, it was difficult for bank employees to visit with tablet PCs when purchasing goods. It was a tough situation.

Patent Publication 1020030012190 (2003.02.12) Name: Method and system for providing installment financing service through internet

Therefore, the problem to be solved by the present invention to solve the above problems, smart installment financial service system and method for using the installment financing simply by using the supplier terminal of the supplier selling the product and the buyer terminal to purchase the product. To provide.

In addition, the problem to be solved by the present invention is to provide a smart installment financial service system and method to easily use the installment financing based on the fingerprint and pin without a certificate.

In addition, the problem to be solved by the present invention is to provide a smart installment financial service system and method that can be applied for a business alliance to the supplier terminal of the owner of the company that wants to sell the current installment financial products.

In addition, the problem to be solved by the present invention, to provide a smart installment financial service system and method capable of one-stop (One stop) services in stores from installment financing consultation to product receipt.

Smart installment financial service method according to an embodiment of the present invention for achieving the technical problem,

A smart installment financial service method of a smart installment financial service system connected to at least one buyer terminal and a supplier terminal through a network.

When the provider terminal is connected to apply for a business partnership, the server provides a confirmation regarding the identity verification and the use of personal information;

Receiving, by the server, the applicant information from the provider terminal;

Receiving, by the server, an audit document from the provider terminal;

When the audit is completed, the server includes the step of instructing the audit results to the provider terminal.

The method,

Logging into the server by the provider terminal;

After the login is completed, if the provider terminal selects a progress status inquiry, the server receives a progress status inquiry condition and provides an inquiry result and provides an inquiry result to the provider terminal;

If the supplier terminal selects an installment finance simulation, the server selects a simulation item, sets an approval section promotion, performs a simulation, and then provides a simulation result to the supplier terminal;

If the supplier terminal selects a sales performance inquiry, the server receives a sales performance inquiry condition and makes an inquiry and provides an inquiry result to the supplier terminal;

If the supplier terminal selects a subordinate vendor inquiry, the server inquires a subordinate vendor and provides an inquiry result to the supplier terminal;

If the supplier terminal selects a subcontractor registration, the server receiving and storing subcontractor information;

If the supplier terminal selects a part-item inquiry, the server receives and retrieves a part-item inquiry condition and provides an inquiry result to the supplier terminal;

If the provider terminal selects an installment financing calculator, the server receives an installment financing inquiry condition and inquires a monthly payment and provides an inquiry result to the provider terminal;

When the supplier terminal selects to register a part item, the server receiving and storing installment finance registered product information;

If the provider terminal selects to submit the installment financial documents, the server receives the installment financing applicant mobile phone number, checks the incomplete documents, provides incomplete documents, and receives and stores the incomplete documents from the supplier terminal. It includes.

The method,

If the provider terminal selects a business fund loan, the server further comprises the step of receiving the loan application information through the identity verification and accepting the loan application.

Smart installment financial service method according to an embodiment of the present invention for achieving the technical problem,

A smart installment financial service method of a smart installment financial service system connected to at least one buyer terminal and a supplier terminal through a network.

When the buyer terminal is connected to apply for the installment financial simplicity, the server provides a confirmation for the identification and use of personal information;

Receiving, by the server, identification information from the purchaser terminal;

Receiving, by the server, applicant information from the buyer terminal;

Receiving, by the server, purchase goods information for installment financing from the buyer terminal;

The server guiding a notice to the purchaser terminal;

The server performs a credit evaluation for the buyer, and guides the installment financing transaction terms including loan amount, pension rate, installment period, monthly payment amount.

The method,

When the installment financing is approved, the server providing approval details to the purchaser terminal;

Receiving, by the server, an account number of the user's name from the buyer terminal, and transmitting a small amount by the server to the account information of the user's name;

Receiving, by the server, information that is deposited in the brief column from the buyer terminal, and comparing the information with the brief column displayed at the time of remittance;

Receiving a withdrawal account and a withdrawal date for paying the monthly payment from the purchaser terminal if the server matches;

Receiving, by the server, a PIN number (6 digits) to be used for an electronic signature from the purchaser terminal;

Receiving, by the server, agreement confirmation and agreement from the purchaser terminal;

Receiving, by the server, an electronic signature with a pin number from the purchaser terminal;

And if the input pin number matches, the server terminates the electronic contract if it matches the recorded pin number.

Smart installment financial service system according to an embodiment of the present invention for achieving the technical problem,

A smart installment financial service system connected to at least one buyer terminal and a supplier terminal through a network.

A database for storing installment financial product information, buyer information, supplier information, sales performance information, sub-seller information, allotment item information, and interest rate information;

Refer to the database to look up the supplier or buyer's credit, and provide the principal payment repayment, loan limit amount and contract period information, and if the loan application information is entered, provide the judgment result of the loan, the buyer terminal or supplier Including a server provided to the terminal,

The server executes the method.

According to an embodiment of the present invention, it is possible to provide a smart installment financial service system and method for easily using installment financing using a supplier terminal of a supplier selling a product and a purchaser terminal purchasing a product.

In addition, according to an embodiment of the present invention, it is possible to provide a smart installment financial service system and method for easily using the installment financing based on the fingerprint or pin without a certificate.

In addition, according to an embodiment of the present invention, it is possible to provide a smart installment financial service system and method that can apply for a business alliance to the supplier terminal of the owner of the owner who wants to sell the current installment financial product.

In addition, according to an embodiment of the present invention, it is possible to provide a smart installment financial service system and method capable of one-stop service in a store from installment financing consultation to product receipt.

1 is a block diagram of a smart installment financial service system according to an embodiment of the present invention.
2 and 3b are flowcharts illustrating a service operation for a provider in the smart installment financial service method according to an embodiment of the present invention.
4 to 57 are views illustrating examples of screens provided to a provider terminal in a smart installment financial service system according to an embodiment of the present invention.
58 and 59 are flowcharts illustrating a service operation for a buyer in the smart installment financial service method according to an embodiment of the present invention.
60 to 88 are views illustrating examples of screens provided to a purchaser terminal in the smart installment financial service system according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, only the embodiments are to make the disclosure of the present invention complete, and common knowledge in the art to which the present invention belongs It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, “comprises” and / or “comprising” refers to the presence of one or more other components, steps, operations and / or elements. Or does not exclude additions. Unless otherwise defined, all terms (including technical and scientific terms) used in the present specification may be used in a sense that can be commonly understood by those skilled in the art. Moreover, the terms defined in the commonly used dictionaries are not ideally or excessively interpreted unless they are specifically defined clearly.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to describe the present invention in more detail.

1 is a smart installment financial service system according to an embodiment of the present invention,

* A smart installment financial service system 100 connected through a network 200 and a credit information server 210, at least one buyer terminal 400 and provider terminal 240 that provides credit information for evaluating credit. ,

A database unit 120 for storing installment financial product information, buyer information, supplier information, sales performance information, sub-seller information, allotment item information, and interest rate information;

Refer to the database 120 to look up the credit of the supplier or buyer, provide monthly payments, installment financing limit amount and contract period information, if the installment financing application information is entered, provide the judgment decision of installment financing, It includes a server 110 provided to the purchaser terminal 400 or the supplier terminal.

The server 110,

A member manager 111 for managing buyer and supplier members;

Refer to the database to look up the supplier's credit, provide monthly payments, installment financing limit amount and contract period information, if the installment financing application information is entered, provide the judgment decision results of installment financing, and provide to the provider terminal Supplier service unit 112;

Inquiry of the buyer's credit with reference to the database, and provides the monthly payment, installment financing limit amount and contract period information, and if the installment financing application information is entered, provides the judgment decision result of the installment financing, buyer terminal 400 It includes a buyer service unit 113 provided to.

Referring to the operation of the smart installment financial service system according to an embodiment of the present invention having such a configuration as follows.

2, 3A and 3B are flowcharts illustrating a service operation for a provider in the smart installment financial service method according to an embodiment of the present invention, and FIGS. 4 to 57 are smart installment financial service systems according to an embodiment of the present invention. Is a diagram illustrating an example of a screen provided to a provider terminal.

First, referring to FIG. 2, a supplier who is a product seller executes an OSB smart banking application of a provider terminal 240 and selects an application for an installment financing business partnership on the screen as shown in FIG. 4 (S110).

When the supplier terminal 240 is connected to apply for a business alliance, as shown in FIG. 5, the provider service unit 112 of the server 110 provides a confirmation regarding identity verification and use of personal information (S111).

Referring to Figure 5, the page to receive the consent to provide personal information collected by the applicant to collect the application for business partnership application, to confirm that the identity of the supplier 1) mobile phone 2) authorized certificate 3) credit card by selecting one of the identity verification process This identity verification process is generally well known in the art.

Next, as shown in Figure 6, the supplier service unit 112 of the server 110 receives the application information from the supplier terminal 240 (S112). Referring to FIG. 6, in the step of inputting workplace information of a business partnership applicant, information about an applicant such as a business type and division, a business name, a business number, a business telephone, a main item, a sales method, a product production, and a product price may be input. have.

Next, the supplier service unit 112 of the server 110 receives the examination document from the supplier terminal 240 (S113). Referring to FIG. 7, documents received by a bank according to a business type are defined and managed by a server, and guides documents to be submitted for each business type. Applicants can take photos of their cell phones and upload the documents, or upload stored files from their cell phones.

When the upload of the submitted documents is completed, the supplier service unit 112 of the server 110 provides a confirmation button, and the supplier may touch it (S114).

Referring to FIG. 8, when the cooperation application is completed, an alert window for guiding "completed" is activated, and the "business alliance application information is transferred to a server managing bank installment financing / examination / mark.

Subsequently, after allocating the inspection station, the company decides whether to approve a business alliance such as a business alliance adequacy review in consideration of the assets and credit status of the business alliance requestor. It transmits (S115).

When the examination is completed, the supplier service unit 112 of the server 110 informs the supplier terminal 240 of the examination result (S116). In particular, when the approval of the business partnership is completed, the ID is given to the corresponding provider, and the QR code shown in FIG. 9 is generated and delivered to the product inputted from the applicant information.

Thereafter, the supplier may access the supplier service unit 112 of the server 110 and perform various functions according to his or her needs.

To this end, the provider logs in to the member manager 111 of the server using the provider terminal 240 (S117).

FIG. 10 is a login screen for accessing installment financing affiliate plaza, and when a supplier who is an affiliated business partner guides installment financing to a buyer (consumer), an installment financing product is introduced more efficiently by using an advisor dedicated to the business partner. Improve product sales.

Before logging in with the assigned ID, the user device checks whether the affiliated phone registered in the provider service unit 112 of the server 110 matches through the mobile phone authentication step as shown in FIGS. 10 and 11, and issues the issued ID and password. Log in via.

The password is changed for security at the first login, and when logged in, the provider service unit 112 of the server 110 provides a main screen of an affiliated square as shown in FIG. 12 to select various menus.

After the login is completed, if the provider terminal 240 selects the progress status inquiry (S210), the provider service unit 112 of the server 110 receives the progress status inquiry condition and makes an inquiry (S211), and the inquiry result It provides to the provider terminal 240 (S212).

Referring to FIGS. 13 to 15, the supplier service unit 112 of the server 110 may check the installment financing progress on a customer who has applied for or completed the purchase of a product of an affiliate company (supplier) using installment financing. Provide a screen. Here, the supplier can be inquired according to the customer name, the progress stage (receipt, review, review completed), and the sub-sellers by period.

When the provider terminal 240 selects the installment financing simulation (S220), the supplier service unit 112 of the server 110 selects the simulation item (S221), sets the approval section promotion (S222), and simulates the simulation. After proceeding (S224), the simulation results are provided to the provider terminal 240 (S225). Here, if necessary, a step of setting a financial fee rate (S223) and a request for expanding an approval interval (S226) may be added.

16 to 21, when the affiliate (the supplier) wants to change the existing agreed installment financing terms such as the installment financing approval period and the interest-free period extension as the sales promotion means, it is possible to check the expected cost and the increase in sales. You can apply to change the conditions.

When the supplier terminal 240 selects the sales performance inquiry (S230), the supplier service unit 112 of the server 110 receives the sales performance inquiry condition and makes an inquiry (S231), and the inquiry result is the supplier terminal. Provided to 240 (S232).

Referring to FIGS. 22 to 24, according to the selection of the supplier terminal 240, the affiliate service provider 112 of the server 110 may inquire the installment financing sales performance for each sub-seller (distributor) and item. It is a screen to make a simulation, and when a simulation is selected in step S232, a simulation is provided as shown in FIG. 25, and this simulation step is the same as in the above process.

When the supplier terminal 240 selects the inquiring of the downstream vendor (S235), the supplier service unit 112 of the server 110 inquires the downstream salesperson and provides the inquiry result to the supplier terminal 240 (S236). ).

Referring to FIGS. 26 and 27, it is possible to check the entire list of the sub-sellers stored in the database by the supplier service unit 112 of the server 110 among the sub-sales agents (agents) registered by the affiliates (suppliers). You can search the vendor performance by each subseller and additionally request to register the subseller.

Referring to FIG. 28, the supplier service unit 112 of the server 110 provides a sales performance inquiry screen at the time of selecting the seller performance. Referring to FIG. 29, the supplier service unit of the server 110 may be selected at the time of selecting a simulation. 112 provides a simulation, and this simulation step is the same as in the above process.

After the supplier terminal 240 selects the sub-seller registration (S240), inputs the sub-seller information (S241), and uploads the sub-sales information (S242), the supplier service unit 112 of the server 110. Receives and stores the sub-sales information, and makes three yarns as necessary (S243).

Referring to FIGS. 30 to 33, if an affiliate company (supplier) wants to additionally register a lower agency, it is a screen for requesting to add a lower agency to the supplier service unit 112 of the server 110. After entering the contents of the relevant sub-sales and submitting the relevant data, the server examines and decides to register the sub-sales. If the registration is approved, the sub-sales agency inquiry screen can be confirmed.

When the supplier terminal 240 selects a part-item inquiry (S250), the supplier service unit 112 of the server 110 receives and retrieves a part-item inquiry condition (S251), and retrieves an inquiry result from the supplier terminal ( 240 is provided (S252).

Referring to FIGS. 34 to 39, among the products registered by affiliates (suppliers), details of products registered by the provider service unit 112 of the server 110 may be checked, and QR codes may be output for each product (S254). ), According to the supplier selection, the simulation provided by the supplier service unit 112 of the server 110 and the monthly payment repayment schedule may also be checked (S253).

When the provider terminal 240 selects the installment financing calculator (S260), the supplier service unit 112 of the server 110 receives the installment financing inquiry condition (S261) and inquires the monthly payment (S262). The result is provided to the provider terminal 240 (S263). In addition, according to the supplier selection, the simulation provided by the supplier service unit 112 of the server 110 and the monthly payment repayment schedule may be checked (S264).

40 to 44, the supplier service unit 112 of the server 110 provides a screen used by an affiliate (provider) to guide a purchaser (consumer) the amount of each installment paid each month. In addition, by selecting a variety of options, such as repayment method, period of repayment, payment of installment payment can be provided as a result from the supplier service unit 112 of the server 110 as shown in Figs.

When the supplier terminal 240 selects a part-item registration (S270), the supplier service unit 112 of the server 110 receives and stores installment financial registered product information (S271, S272, and S273).

45 to 48, if there is a product that the affiliate company (supplier) wants to installment financing additionally, a product registration request may be requested to the supplier service unit 112 of the server 110.

After inputting the contents of the corresponding product and submitting the product introduction data, the supplier service unit 112 of the server 110 of the bank examines and determines product registration. If the product is approved, a QR code will be given and you can check it on the part item inquiry screen. If necessary, the screening may be conducted by a bank representative.

When the provider terminal 240 selects the installment financial document submission (S280), the supplier service unit 112 of the server 110 receives the installment financing applicant mobile number (S281), and checks the non-documents (S281). S282), the non-document is provided (S283), and the non-document is received from the supplier terminal 240 and stored (S284).

49 to 52, a screen in which documents of an installment financing customer (buyer) can be delivered to a bank on behalf of an affiliate company (supplier), and the application customer (buyer) is undelivered among documents to submit to the bank. You can also check the documents.

When the provider terminal 240 selects a business fund loan (S290), the provider service unit 112 of the server 110 receives the loan application information through the verification (S291) and receives the loan application information (S292). (S293).

Referring to Figure 53 to Figure 57, the affiliated partner can apply for a loan to the bank when business funds are needed, so that the provider service unit 112 of the server 110 can recognize the required amount of funds, the nature of the funds, the property situation It is implemented in the form of a check box.

Hereinafter, a method of using a smart installment financial service by connecting a purchaser terminal 400 to the purchaser service unit 113 of the server 110 using the purchaser terminal 400 will be described.

58 and 59 are flowcharts illustrating a service operation for a buyer in the smart installment financial service method according to an embodiment of the present invention, and FIGS. 60 to 88 are buyer terminals in the smart installment financial service system according to an embodiment of the present invention. It is a figure which shows the example of the screen provided to 400. As shown in FIG.

Referring to FIG. 58, when the purchaser terminal 400 connects and makes an installment financing simple application (S300), referring to FIG. 60, a screen for selecting an installment financing simple application by executing an OSB smart banking APP is illustrated.

Then, the buyer service unit 113 of the server 110 provides a confirmation regarding the identity verification and the use of personal information (S310).

Referring to FIG. 61, a page for receiving the personal information collection and use agreement from the applicant to collect the installment financing application information is confirmed to be a person. 1) a mobile phone, 2) an authorized certificate, and 3) a credit card is selected for the identity verification process. .

If the applicant selects an accredited certificate as a means of self-certification, the applicant will automatically collect and utilize the information of each organization such as national pension, health insurance, and the National Tax Service by using the applicant's accredited certification information. It is easier and faster.

Next, the buyer service unit 113 of the server 110 receives the ID information from the buyer terminal 400 (S320). Referring to FIG. 62, the purchaser service unit 113 of the server 110 guides precautions before photographing the ID and photographs the ID.

Referring to FIG. 63, when the identification card is photographed using a smartphone camera, the OCR automatic recognition solution of the purchaser service unit 113 of the server 110 operates to automatically recognize the identification information and automatically inputs it into the input box, thereby causing the user's inconvenience. Reduces the burden If the information automatically recognized is different from the fact, it can be changed and it can be retaken. Automatically recognized or input ID card information is electronically verified through the Ministry of Public Administration and Security (Resident Registration Card) or the Road Traffic Authority (Driver's License).

Next, the buyer service unit 113 of the server 110 receives the applicant information from the buyer terminal 400 (S330). 64 and 65, as a screen for inputting information of an installment financing applicant, a work type, a home / work address, an email, and the like are received.

Referring to FIG. 65, when the required value input is completed, the color of the 'next step' area is changed (converted from white to blue) to proceed to the next step.

Thereafter, the buyer service unit 113 of the server 110 receives the installment finance target purchase article information from the purchaser terminal 400 (S340).

Referring to FIG. 66, an installment financing applicant is a screen for inputting information of goods purchased through installment financing.

As shown in FIG. 67, the information input of the purchased product may automatically input the product information by recognizing the QR code, or directly input the product information. If the applicant recognizes the QR code using the smartphone's camera, product information can be entered more quickly and easily.

Next, the buyer service unit 113 of the server 110 guides the notice to the buyer terminal 400 (S350).

68 and 69, the buyer service unit 113 of the server 110 guides installment financing notices to installment financing applicants.

The applicant checks yes / no for three things, and the bank judges whether the customer is aware of the product notes based on the checks.

If further explanation is required, the bank representative will call the customer and re-inform the product.

Then, the buyer service unit 113 of the server 110 performs a credit rating for the buyer (S360).

The buyer service unit 113 of the server 110 evaluates the creditability and repayment ability of the installment financing applicant with the collected information to evaluate the appropriateness of credit handling. The buyer service unit 113 of the server 110 is a stored unique credit rating model, calculates the limit and interest rate that the applicant can purchase the maximum, and transmits it.

The buyer service unit 113 of the server 110 guides the credit evaluation result and guides the installment financial transaction conditions including the loan amount, the pension rate, the installment period, and the monthly payment (S370).

Referring to FIG. 70, as a screen for outputting a result determined by the credit rating model, the installment financing transaction conditions such as loan amount, an annual interest rate, an installment period, and a monthly payment amount that are available for installment financing can be guided. According to the audit approval strategy managed by the server, those who fall within the section that can be immediately approved by the system without human examination can proceed directly to the electronic contract.

Hereinafter, the contents of the electronic agreement will be described.

Referring to FIG. 59, an automatic approval case of the purchaser service unit 113 of the server 110 is an electronic contract screen, and the other cases are finally determined whether approval of installment financing is performed after human examination (S400).

Referring to FIG. 71, the installment financing "electronic agreement" is a screen of the step of starting, in the section that can be immediately approved by the system without human examination according to the credit rating system audit approval strategy of the buyer service unit 113 of the server 110 Applicable cases are proceeded as "electronic agreement", and in other cases, "electronic agreement" can be carried out after completion of the examination by the bank after receiving the simple application.

Next, the buyer service unit 113 of the server 110 confirms identity (S410).

72 and 73, in order to confirm whether the installment financing "electronic commitment" subjects 1) mobile phone 2) the authentication certificate 3) select one of the credit card and go through the identity verification process.

Confirmation of installment financing "e-covenant" If you are eligible for "e-covenant", please send the approval result information of the application for installment financing

This procedure is omitted for the case of proceeding with the "electronic agreement" immediately after the simple application.

If the approval is confirmed after the installment financing approval (S420), the buyer service unit 113 of the server 110 provides the approval details to the buyer terminal 400 (S430).

73 and 74, the installment financing examination approval result information of the customer is shown. Major contents such as monthly payment amount are implemented so that it can be moved to the next step after confirmation. This procedure is omitted for the case of proceeding with the "electronic agreement" immediately after the simple application.

Next, the buyer service unit 113 of the server 110 receives the account number from the buyer terminal 400 (S440).

76 and 77, the identity verification process is performed using a bank account (including other banks) opened in the name of the installment financing applicant.

Then, the buyer service unit 113 of the server 110 transfers a small amount to the account information of the person's name (S450).

If you enter the account information of the installment financing applicant's name, the buyer service unit 113 of the server 110 will transfer the '1 won' to the account.

Then, the buyer service unit 113 of the server 110 receives the information to be deposited in the remarks column from the buyer terminal 400 (S460).

Next, the buyer service unit 113 of the server 110 compares the information of the remarks column displayed at the time of remittance (S470).

In this case, the applicants are required to enter the contents of the "interest" written at the time of remittance to verify whether the input value and the summary match.

If it matches, the buyer service unit 113 of the server 110 receives the withdrawal account and withdrawal date for the payment of the monthly payment from the purchaser terminal 400 (S480).

Referring to FIG. 78, the buyer service unit 113 of the server 110 receives a withdrawal account and a payment date to pay a monthly installment payment. At this time, you can designate an account that has been authenticated in the previous step when checking the "Same Action" combo box.

In addition, the buyer service unit 113 of the server 110 receives a PIN number (6 digits) to be used for the electronic signature from the purchaser terminal 400 (S490).

79 through 83, a PIN number (6 digits) to be used for digital signature is registered. Fingerprint recognition mobile phones can register fingerprints as well as PIN registration. The authentication process is minimized by registering the PIN number and fingerprint registration of the customer.

Thereafter, the purchaser service unit 113 of the server 110 receives the agreement confirmation and the agreement from the purchaser terminal 400 (S500).

84 and 85, a step of signing an installment financing agreement, such as an installment financing agreement, a product description, a CMS direct debit, an electronic financial transaction application, and the like, is shown. Installment financing applicants can check the relevant terms and conditions, and can move to the next step after checking the product description.

Next, the buyer service unit 113 of the server 110 receives the electronic signature by the pin number from the buyer terminal 400 (S510).

86 and 87, it is possible to digitally sign with the "PIN number" registered in the previous step without the public certificate.

Thereafter, if the input pin number matches, the purchaser service unit 113 of the server 110 ends the electronic contract if it matches the recorded pin number (S520).

Referring to FIG. 88, when the registered "PIN number" and the input "PIN number" match, the electronic contract is completed. When the electronic contract is completed, the time stamp is printed at the time of the digital signature to ensure the integrity and authenticity of the electronic installment finance electronic document. In order to ensure reliability and legal protection, this electronic document is kept in the official electronic document center, and the part is sent by e-mail specified by the customer.

In such an embodiment of the present invention, installment financing may be easily performed using a supplier terminal 240 of a supplier selling a product and a purchaser terminal 400 purchasing a product.

In addition, in an embodiment of the present invention, it is possible to simply use the installment financing based on the fingerprint or pin without a certificate.

In addition, in the embodiment of the present invention, it is possible to apply for business cooperation to the supplier terminal 240 of the owner of the owner who wants to sell the current installment financial products.

In addition, in an embodiment of the present invention, one-stop service is available in stores from installment financing consultation to product receipt.

As described above, the present invention has been described with reference to the embodiments shown in the drawings, but it is only for the purpose of describing the present invention, and those skilled in the art to which the present invention pertains various modifications or equivalents from the detailed description of the invention. It will be appreciated that one embodiment is possible. Therefore, the true scope of the present invention should be determined by the technical spirit of the claims.

Claims (1)

A smart installment financial service system connected to at least one buyer terminal and a supplier terminal through a network.
A database for storing installment financial product information, buyer information, supplier information, sales performance information, subseller information, allotment item information and interest rate information;
Refer to the database to look up the credit of the supplier or buyer, provide monthly payments, installment financing limit amount and contract period information, if the installment financing application information is entered, provide the loan judgment result, the buyer terminal or Smart installment financial service system comprising a server provided to the provider terminal.

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