KR20220167662A - Method for providing untact money transaction service using operating server - Google Patents

Abstract

According to the present invention, a non-face-to-face money transaction service providing method using an operation server is disclosed. The method comprises the steps of: upon receipt of consent to the debt information from a creditor terminal (126) and a debtor terminal (127), generating a non-signature e-invoice corresponding to the debt information and transmitting the same to the creditor terminal and the debtor terminal; receiving a non-signature e-INV issued with a signature from the creditor terminal and the debtor terminal; transmitting fee information for issuing a signed e-IOU to the debtor terminal, and transmitting fee information and debt amount information to the creditor terminal; and when the amount to be deposited from the creditor and the debtor is confirmed, depositing the amount of the debt into the account of the debtor, issuing a signed e-invoice, and transmitting the same to the creditor terminal and the debtor terminal. The present invention can efficiently appropriate an operation expense of an operation server through a fee.

Description

Method for providing non-face-to-face money transaction service using operating server {METHOD FOR PROVIDING UNTACT MONEY TRANSACTION SERVICE USING OPERATING SERVER}

The present invention relates to a method for providing a non-face-to-face financial transaction service using an operating server, and more particularly, to provide a non-face-to-face financial transaction service between private individuals by issuing a signature e-borrow certificate with a secured transaction and an interest calculation on the interest rate. It's about the technology you provide.

Conventionally, as a financial institution and a smartphone are linked together as in Patent Document 1 described as prior art, a loan requester applies for a loan service online through a smartphone, and the financial institution examines the loan requester online to determine whether the loan is possible. decided. However, in the past, financial institutions have provided loan services, and there is a problem in that financial institutions cannot provide online money transaction services between individuals.

Patent Document 2 is a technology for providing financial transactions between individuals, and describes a method of managing an IOU electronic document in an operating server. Conventional operating servers may generate various operating costs, such as communication costs for exchanging IOU information, electronic document generation costs for generating IOU electronic documents between individuals, and maintenance costs for storing and managing IOU electronic documents. It is reasonable to receive fees from debtors and creditors to cover these operating costs.

However, Patent Document 2 has a problem in that it is not specified at what time to guide and receive a fee efficiently in the process of generating an IOU electronic document. In addition, Patent Document 2 is unable to provide an IOU electronic document service to which interest calculation for interest rates and security transactions for credit confirmation are applied. In addition, Patent Document 2 fails to provide security transactions and automatic interest rate calculation services that encourage the debtor's repayment.

Korean Patent Registration No. 10-1931080 Korean Patent Publication No. 10-2017-0092420

In order to solve the above problems, the present invention guides the fee and debt amount between the process of generating a non-signature e-INV and the process of issuing a signed e-INV and performs the process of confirming the amount to be deposited from creditors and debtors. To provide a non-face-to-face money transaction service using a server.

The present invention can provide a service for credit information security registration for credit confirmation to the debtor's terminal, and when the security registration is completed, non-face-to-face money using an operation server that issues a signed e-borrow certificate with a written interest calculation for the security confirmation and interest rate We want to provide trading services.

An object of the present invention is to provide a non-face-to-face money transaction service using an operation server that transmits push information indicating an interest calculation for an interest rate and a repayment date at a set period to a creditor terminal and a debtor terminal.

The non-face-to-face money transaction service providing method using the operation server 100 according to the embodiment of the present invention for the above problem to be solved responds with consent to debt information from the creditor terminal 126 and the debtor terminal 127 generating a non-signature e-invoice corresponding to the debt information and transmitting it to the creditor terminal and the debtor terminal; Receiving a non-signature e-INV issued with a signature from the creditor terminal and the debtor terminal; Transmitting fee information for issuing a signed e-IOU to the debtor terminal, transmitting fee information and debt amount information to the creditor terminal, and when the amount to be deposited from the creditor and debtor is confirmed, the debt amount is transferred to the debtor's account Depositing, issuing a signature e-IOU and transmitting it to the creditor terminal and the debtor terminal.

In the non-face-to-face money transaction service providing method using the operation server 100 according to an embodiment of the present invention, the debt input information of the creditor received from the creditor terminal is transmitted to the debtor terminal, and the debt input information of the debtor is transmitted from the debtor terminal. The method may further include generating debt information based on the receiving step and the debt input information of the creditor and the debtor, and transmitting the debt information to the creditor terminal and the debtor terminal.

The non-face-to-face money transaction service providing method using the operation server 100 according to an embodiment of the present invention further includes the step of transmitting push information informing of the interest calculation and repayment date for the interest rate at a set cycle to the creditor terminal and the debtor terminal It can be characterized by doing.

The operation server can provide a service for credit information security registration for credit confirmation to the debtor terminal, and when the credit information security registration for credit confirmation is completed, issuing a signature e-borrow statement with interest calculation for the security confirmation and interest rate. that can be characterized.

In the creditor terminal and the debtor terminal, an application for temporary storage of non-signature e-IOU and signature input is installed, and when the application is forcibly or abnormally terminated while the signature is entered, the temporarily stored non-signature e-IOU is called up, and the signature is entered. When the e-IOU is received by the operation server, the non-signature e-IOU is automatically deleted, and the operation server transmits the electronic signature entered in the signed e-IOU and the non-signature e-ID to the security server 128, and the security server It may be characterized in that the electronic signature is encrypted and stored in order to prevent the creation of a signature DB.

The present invention induces fee deposit when the creditor's debt amount is deposited, and provides the debtor with a signature e-borrow certificate only when the fee deposit is completed, so that the operation cost of the operation server can be efficiently covered through the fee.

The present invention can provide a service for credit information collateral registration for credit confirmation to the debtor terminal, and when the credit information collateral registration for credit confirmation is completed, by issuing a signed e-borrow statement with collateral confirmation and interest calculation for the interest rate, Credit evidence can be provided through collateral transactions, and debtors can be encouraged to repay by establishing collateral.

The present invention can prevent deterioration of the situation due to waiting for an indefinite debt amount repayment by transmitting push information indicating the interest calculation and repayment date for the interest rate at a set cycle to the creditor terminal and the debtor terminal, and to make repayment on the due date By verifying, it can provide credit safety transactions between private parties.

1 is a block diagram showing a non-face-to-face money transaction service providing system according to an embodiment of the present invention.
2 is a flow chart illustrating a procedure for servicing a money transaction between a creditor and a debtor in an unsecured transaction according to an embodiment of the present invention.
3 is a flow chart showing a procedure for a creditor and a debtor's money transaction service in a security transaction according to an embodiment of the present invention;
4 is an example of a screen on which an application is installed on a debtor's terminal.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited by the embodiments.

1 is a block diagram showing a non-face-to-face money transaction service providing system according to an embodiment of the present invention, which includes an operation server 100, a creditor terminal 126 and a debtor terminal 127. include

The operation server 100 mediates between the creditor terminal 126 and the debtor terminal 127 to provide a non-face-to-face financial transaction service. Non-face-to-face financial transactions typically refer to borrowing transactions.

Creditor terminal 126 or debtor terminal 127 is provided with a communication means for communication with the operation server (100). The creditor terminal 126 or the debtor terminal 127 may be a smart phone, a desktop or a laptop, and may be a variety of terminals capable of installing applications, but is not limited thereto.

The operation server 100 is composed of a transaction details server 101, a security server 104, an e-IOU server 109, and a notification server 123. The transaction details server 101 generates an input form for inputting transaction information of the creditor and the debtor, and provides it to the creditor terminal 126 and the debtor terminal 127. More specifically, the transaction details server 101 transmits the debt input information of the creditor received from the creditor terminal 126 to the debtor terminal 127, receives the debt input information of the debtor from the debtor terminal 127, and Creates debt information based on the debt input information of the debtor and the debtor, transmits the debt information to the creditor terminal 126 and the debtor terminal 127, and agrees to the debt information from the creditor terminal 126 and the debtor terminal 127 make sure you do

When the e-IOU server 109 receives a response to the debt information from the creditor terminal 126 and the debtor terminal 127, it generates a non-signature e-IOU corresponding to the debt information and transmits it to the creditor terminal and the debtor terminal, and the creditor terminal (126) and the debtor terminal (127) receives the non-signed e-IOU with the signature entered, transmits fee information for issuing the signed e-ID to the debtor terminal (126), and charges the creditor terminal (127) Send information and debt amount information.

When the amount to be deposited from the creditor and the debtor is confirmed, the e-IOU server 109 deposits the amount of the debt into the account of the debtor, issues an e-INV, and sends it to the creditor terminal 126 and the debtor terminal 127. The debtor must check his/her account to see if the amount of the debt has been properly remitted while verifying the signed e-IOU.

The non-face-to-face money transaction service providing system may further include a PG company server (virtual account server, 116) and a security server (electronic security server, 128). The PG company server 116 is a server that provides a virtual account service for depositing the debt amount and fees, and the e-borrowing certificate server 109 can check the amount to be deposited from the creditor and the debtor through the PG company server 116, , the debt amount can be deposited into the debtor's account.

The e-IOU server 109 may transmit the digital signature input to the signed e-ID and the non-signature e-ID to the security server, and the security server 128 may encrypt and store the digital signature to prevent the creation of a signature DB.

The notification server 123 may transmit push information notifying the interest calculation and repayment date for the interest rate to the creditor terminal 126 and the debtor terminal 127 at set cycles. The notification server 123 may transmit the push information in the form of a messenger, QR or SMS code.

The notification server 123 may generate a code-based transaction input form that moves to a transaction input page for fast transaction progress between creditors and debtors. The creditor terminal 126 and the debtor terminal 127 may recognize the code and receive transaction details in the transaction input form.

The creditor terminal 126 and the debtor terminal 127, if the application for temporary storage and signature input of the non-signature e-IOU is installed, and the application is forcibly or abnormally terminated while the signature is input, the temporarily stored non-signature e-IOU is called, and when the signed e-ID is received by the operation server, the non-signed e-ID can be automatically deleted.

The e-IOU server 109 may issue a signed e-IOU and destroy the non-signature e-ID.

The collateral server 104 can provide a service for collateral registration of credit information for credit verification to the debtor terminal, and the e-borrowing certificate server 109, when the credit information collateral registration for credit verification is completed, collateral verification and interest on the interest rate A signed e-IOU with the calculation can be issued.

The collateral server 104 receives the collateral input information entered into the set collateral form from the debtor terminal, and can automatically evaluate the collateral input information based on the information linked to the credit-related third party operation server. The interlocking information is scraping or API (Application Programming Interface).

Scraping is a technology that automatically extracts and provides necessary information from personal information of a specific financial company, public institution, or government site using customer authentication information, and API is an interface between an operating system and an application program, and a financial institution provides data provides an interface to transmit

When the e-IOU server 109 confirms that the collateral is qualified, it may issue a signature e-IOU in which the collateral confirmation and the interest calculation for the interest rate are described.

The collateral server 104 may analyze whether the debtor correctly inputs collateral input information according to the collateral form, and may determine approval or retention of collateral.

2 is a flow chart showing a procedure for a creditor and a debtor's money transaction service in case of an unsecured transaction according to an embodiment of the present invention, and FIG. As the flowchart shown, the operation server 100 may provide a secured transaction and an unsecured transaction.

The details of the creditor's debt may include borrowing date, borrowing amount, payment due date, interest rate, interest payment date, account information, delayed damages, loss of time limit, or creditor information. Creditor information is address, social security number or contact information. The details of the debtor's debt may include collateralized/unsecured selection information, debtor information, or account information.

4 is an example of a screen on which an application is installed on a debtor terminal, and the debtor terminal 127 may receive a service for money transaction through the application. The debtor terminal 127 may register a plurality of collateral information identified by evaluating in advance.

When the operation server 100 receives a security transaction request from the debtor terminal 127, it is necessary to check whether the debtor is registered as security. When there is no pre-registered collateral, a collateral registration form may be generated in the collateral register 105, and a collateral transaction request may be received only when there is a pre-registered collateral. If there are multiple collaterals registered in advance, the collateral information selected by the debtor among the collateral details can be set as the final collateral.

The creditor terminal 126 and the debtor terminal 127 may perform membership sign-up and log-in procedures to receive money transaction services. For example, the debtor inputs a member sign-up button on the screen of the terminal, selects a member sign-up method for the company's application or a member sign-up method linked to SNS, and registers as a member.

According to the present invention, if a creditor or debtor wants to read a signed e-IOU through a terminal, he/she can read it by entering a password or password when accessing.

The present invention provides an automatic notification service for the due date of payment, so that the problem of missing the due date of payment of the debtor can be eliminated, the anxiety of the creditor can be relieved, and when the debtor's payment date cannot be observed in the future, it can be adopted as evidence in legal disputes. do.

The present invention provides a method for providing a non-face-to-face financial transaction service platform between signs using an operation server 100, a method for providing an e-borrowing certificate based on collateral connection and automatic interest rate calculation during transactions between signs using a smartphone, and a smartphone It is possible to provide a method of providing mobile money transactions between signages linked to messenger notifications of

The present invention is a process in which a creditor makes an unsecured transaction based on the creditor's ability to fulfill repayment, that is, credit information confirmation, and secured transactions related to movable and real estate can be made by API and scraping methods.

Creditors can inquire about personal credit information for the purpose of guaranteeing the ability to rent, and debtors to guarantee the ability to repay. Personal credit information may include credit score, credit information inquiry details, card opening/use information, loan opening/use information, or overdue/guarantee.

Credit information inquiry can be interlocked with other institution's server's scraping method for the purpose of providing credit score and credit information inquiry details, card opening/use information, loan opening/use information, or overdue/guarantee information.

<Insurance policy in collateral>

If the collateral is an insurance policy, for example, the debtor can take a picture of the insurance policy and upload it in the application. An insurance policy may include the policy holder, the insured person, insurance amount, insurance premium, insurance period, guarantee details, special terms, special features, or main contract details.

The uploaded insurance policy is automatically stored in the collateral approval/holding control 108, and the administrator can evaluate the authenticity of the insurance policy and the insurance contract loan history to make a collateral approval or suspension decision. The approved and withheld collateral is stored in the collateral details control 107, and the debtor can check the collateral details and processing status.

<Vehicles under collateral, construction equipment>

If the collateral is a vehicle, for example, the collateral input information may include the owner's name and vehicle number. If you enter the owner's name and vehicle number, which are collateral input information, you can search the car market price and registration information. The vehicle price information may include a vehicle name, a vehicle model, a vehicle year, a vehicle market price, a maximum market price of the vehicle, or a minimum market price of the vehicle. Vehicle registration information includes issuer, vehicle registration number, data management number, vehicle name, vehicle model, vehicle identification number, motor model, use, model year, color, date of initial registration, detailed type, date of manufacture, final owner, place of use, valid inspection It may include period, ranking number, mortgage holder information, mortgage holder information, or debt/receivable information.

For example, collateral for construction machinery equipment, collateral input information may include the owner's name and vehicle number. If you enter the owner's name and vehicle number, which are collateral input information, you can search the construction machinery equipment registration register. Information on the register of construction machinery equipment includes issuer, registration number, registration date, construction machine name, type, specification, vehicle serial number, country/year of manufacture, manufacturer, import (manufacture) date, type approval number, use, final owner information, It can include information on the base of use, valid period of inspection, date of confirmation of registration information, rank number, mortgage holder information, mortgage holder information, or debt/receivable information. The collateral quotation platform can be linked with the automobile market price inquiry API, the issuance API of the automobile registration register, or the issuance API of the registration register of construction machinery equipment.

The operation server 100 may automatically perform an evaluation based on information (API or scraping method) interlocked with a credit-related third-party operation server. In addition, the operation server 100 can determine whether a mortgage loan has been made in advance based on mortgage holder information, mortgage holder information, or debt/bond information among automobile and construction machinery equipment registration information, and whether a mortgage loan is provided in advance. If the collateral has been made, the collateral registration can be rejected.

100: operation server 101: transaction history server
104: collateral server 109: e-IOU server
116: PG company server 123: notification server
126: creditor terminal 127: debtor terminal
128: security server

Claims (5)

In the non-face-to-face money transaction service providing method using the operation server 100,
Upon receipt of consent to the debt information from the creditor terminal 126 and the debtor terminal 127, generating a non-signature e-invoice corresponding to the debt information and transmitting it to the creditor terminal and the debtor terminal;
Receiving a non-signature e-INV issued with a signature from the creditor terminal and the debtor terminal;
Transmitting fee information for issuing a signed e-IOU to the debtor terminal, and transmitting fee information and debt amount information to the creditor terminal; and
When the amount to be deposited from the creditor and the debtor is confirmed, the amount of the debt is deposited into the debtor's account, and a non-face-to-face financial transaction using an operation server comprising the steps of issuing a signed e-borrow certificate and transmitting it to the creditor terminal and the debtor terminal How to provide the service. According to claim 1,
Transmitting the debt input information of the creditor received from the creditor terminal to the debtor terminal, and receiving the debt input information of the debtor from the debtor terminal, and
Generating debt information based on the debt input information of the creditor and the debtor, and transmitting the debt information to the creditor terminal and the debtor terminal. According to claim 1,
A non-face-to-face money transaction service providing method using an operation server, further comprising the step of transmitting push information indicating interest calculation and repayment date for the interest rate at a set cycle to the creditor terminal and the debtor terminal. According to claim 1,
The operation server can provide a service for credit information security registration for credit confirmation to the debtor terminal, and when the credit information security registration for credit confirmation is completed, issuing a signature e-borrow statement with interest calculation for the security confirmation and interest rate. Method for providing non-face-to-face money transaction service using an operation server, characterized in that. According to claim 1,
The creditor terminal and the debtor terminal,
If the application for temporary storage and signature input of non-signature e-IOU is installed and the application is forcibly or abnormally terminated while the signature is being entered, the temporarily stored non-signature e-IOU is called, and when the signed e-ID is received by the operation server Automatically delete unsigned e-IOUs,
The operation server,
Non-face-to-face using an operation server, characterized in that the electronic signature entered in the signed e-IOU and the non-signature e-IOU is transmitted to the security server 128, and the security server encrypts and stores the digital signature to prevent signature DB. How to provide money transaction service.

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