KR20240029139A - Method and device to support payment through card loan - Google Patents

Abstract

Receiving a long-term card loan registration request from a user account; Upon receiving the long-term card loan registration request, obtaining personal information including at least one of cash payment details, mobile phone payment details, and BNPL payment details for the user account; Obtaining repayment plan information from the user account; Obtaining a result of an alternative credit evaluation performed based on the personal information and the repayment plan information; Transmitting a long-term card loan request to a card company server based on the results of the alternative credit evaluation; and providing a long-term rental payment message for the long-term rental deposited according to the long-term card loan request to the user account. A method and device including a.

Description

Method and device to support payment through card loan}

The technical field of the present disclosure is a loan service provision system based on the user's credit evaluation and relates to a method of providing loan money using a mobile communication network on a mobile phone. The customer's simple cash is provided using a mobile communication network between the user terminal, the card company server, and the affiliated store server. It is related to the technical field of providing a payment device and a method of performing its operation in a loan service provision system that enables provision of loans in consideration of payment.

In general, people can receive goods or services after first paying an amount in the form of a prepayment. Using prepayment can be a convenient method because sellers can receive a stable amount of money and consumers can receive products or services stably. However, if the consumer does not have economic conditions at the time of receiving the product or service, there are bound to be restrictions on the type of product that can be paid depending on the amount. Furthermore, for the convenience of payment, a system is being developed that allows users to register payment methods or payment information in advance and then automatically pay for the product when the product is paid.

Conventionally, consumers often receive loans from banks when they are not in financial condition. However, there are problems with this, such as the hassle of having to apply for more than a certain amount or by visiting a bank. Therefore, there is a need to remove the lower limit on the amount so that even small amounts can be paid through loans, and to provide services that allow consumers to receive loan-related services immediately at the point of receiving the product or service and use it in real time. In addition, in the case of automatic payment services that allow for conventional deferred payment, there is a problem in that the stability of refunds cannot be secured because the user's credit is not evaluated. Therefore, countermeasures against this are needed.

Korean Patent No. 10-0445753 (2004.08.16) Loan and payment method using a portable terminal

The problem to be solved in this disclosure is to provide an automatic loan service capable of providing loans, by evaluating the user's credit and connecting the mobile communication network with the card company server, user terminal, and affiliated store terminal if the user's credit is above a certain standard according to the determined credit evaluation. It is intended to provide an automatic loan provision (card loan) method and service in which loan services are automatically provided according to the communication used.

As a technical means for achieving the above-mentioned technical problem, a method of supporting payment through a card loan by a device according to the first aspect of the present disclosure includes the steps of receiving a long-term card loan registration request from a user account; Upon receiving the long-term card loan registration request, cash payment details for the user account (cash-based payment including virtual account payment, account transfer, simple cash payment, debit payment, prepaid electronic payment method payment, etc.), mobile phone payment Obtaining personal information including at least one of details and BNPL payment (Buy Now Pay Later payment, meaning deferred payment) details; Obtaining repayment plan information from the user account; Obtaining a result of an alternative credit evaluation performed based on the personal information and the repayment plan information; Transmitting a long-term card loan request to a card company server based on the results of the alternative credit evaluation; and providing a long-term rental payment message for the long-term rental deposited according to the long-term card loan request to the user account.

Additionally, the user account may be an account approved for simple cash payment or BNPL payment, including at least one of cash payment and mobile phone payment.

Additionally, the step of providing the long-term rental payment message may support transferring the deposited long-term rental money to a user account determined based on user input.

In addition, it may further include supporting the repayment obtained from the user account to be delivered to an account designated by the card company server.

Additionally, the step of supporting delivery of the repayment amount to an account designated by the card company server may be performed periodically based on the repayment plan information.

Additionally, receiving a short-term card loan registration request from the user account; transmitting a short-term card loan request to the card company server regardless of the results of the alternative credit evaluation; and providing a loan payment message for the short-term loan deposited in response to the short-term card loan request to the user account.

In addition, it may further include providing card loan registration information provided by the card company server to the user account in response to the short-term card loan registration request.

A device that supports payment through a card loan according to two aspects of the present disclosure includes a receiving unit that receives a long-term card loan registration request from a user account; Upon receiving the long-term card loan registration request, obtain personal information including at least one of cash payment details, mobile phone payment details, and BNPL payment details for the user account, obtain repayment plan information from the user account, and Obtaining the results of an alternative credit evaluation performed based on personal information and the repayment plan information, transmitting a long-term card loan request to the card company server based on the results of the alternative credit evaluation, and long-term loan deposited according to the long-term card loan request. It may include a processor that provides a long-term rental payment message to the user account.

In addition, the receiving unit receives a short-term card loan registration request from the user account, and the processor transmits a short-term card loan request to the card company server regardless of the result of the alternative credit evaluation, and short-term loan deposited according to the short-term card loan request. A rental payment message may be provided to the user account.

According to the third aspect of the present disclosure, it may include a computer-readable non-transitory recording medium on which a program for implementing the first aspect is recorded.

According to an embodiment of the present disclosure, convenience of use can be improved in that users can be provided with an automatic loan service that allows postpayment.

In addition, since communication is possible between the user terminal and the card company server using a mobile communication network, convenience of use can be improved in that users can easily receive loan services.

In addition, convenience of use can be improved in that users can receive loan services in real time at the desired location and time.

In addition, card companies can improve efficiency in that they can increase the probability of users signing up for and using loans by communicating with BNPL (Buy Now Payment Later) payment support devices and card loan service support devices.

In addition, convenience of use can be improved in that users can make automatic payments and loans by simply entering their password when using BNPL payment and card loan services.

In addition, when providing a loan service, the problem of non-refund can be prevented in that the user's credit can be evaluated and the loan can be automatically provided in response to the credit evaluation results.

In addition, by providing long-term loan services and short-term loan services in providing loan services, user satisfaction can be improved because loan services can be provided according to the period desired by the user.

Additionally, since there are multiple factors for evaluating a user's credit, accuracy in evaluating and judging a user's credit can be improved.

In addition, by assigning different weights to each of the plurality of factors for evaluating the user's credit, accuracy can be further improved and stability in evaluating the user's credit and determining approval or disapproval for automatic loan provision. It can be secured.

The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned may be clearly understood by those skilled in the art from the description below.

Figure 1 is a block diagram schematically showing the configuration of a device that supports payment through a card loan according to an embodiment.
Figure 2 is a flowchart illustrating each step of operation of a device that supports payment through a card loan according to an embodiment.
FIG. 3 is a diagram illustrating an example in which a device that supports payment through a card loan provides a long-term loan service according to an embodiment.
FIG. 4 is a diagram illustrating an example in which a device that supports payment through a card loan provides a short-term loan service according to an embodiment.

Advantages and features in the present disclosure, and methods for achieving them, will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms. The present embodiments are merely provided to ensure that the disclosure is complete and to those skilled in the art. It is provided to provide complete information.

The terms used herein are for describing embodiments and are not intended to limit the disclosure. As used herein, singular forms also include plural forms, unless specifically stated otherwise in the context. As used in the specification, “comprises” and/or “comprising” does not exclude the presence or addition of one or more other elements in addition to the mentioned elements. Like reference numerals refer to like elements throughout the specification, and “and/or” includes each and every combination of one or more of the referenced elements. Although “first”, “second”, etc. are used to describe various components, these components are of course not limited by these terms. These terms are merely used to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may also be the second component within the technical spirit of the present disclosure.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings commonly understood by those skilled in the art. Additionally, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless clearly specifically defined.

Spatially relative terms such as “below”, “beneath”, “lower”, “above”, “upper”, etc. are used as a single term as shown in the drawing. It can be used to easily describe the correlation between a component and other components. Spatially relative terms should be understood as terms that include different directions of components during use or operation in addition to the directions shown in the drawings. For example, if a component shown in a drawing is flipped over, a component described as “below” or “beneath” another component will be placed “above” the other component. You can. Accordingly, the illustrative term “down” may include both downward and upward directions. Components can also be oriented in other directions, so spatially relative terms can be interpreted according to orientation.

Hereinafter, embodiments will be described in detail with reference to the drawings.

Figure 1 is a block diagram schematically showing the configuration of a device 100 that supports payment through a card loan according to an embodiment.

Referring to FIG. 1, a device 100 that supports payment through a card loan may include a receiving unit 100 and a processor 120.

The receiving unit 110 according to one embodiment may receive a long-term card loan registration request from a user account.

Upon receiving a long-term card loan registration request from the receiver 110, the processor 120 according to one embodiment may acquire personal information including at least one of cash payment details, mobile phone payment details, and BNPL payment details for the user account. You can. Additionally, the processor 120 may obtain repayment plan information from the user account. Additionally, the processor 120 may obtain alternative credit evaluation results performed based on personal information and repayment plan information.

Additionally, the processor 120 may transmit a long-term card loan request to the card company server based on the alternative credit evaluation results. Additionally, the processor 120 may provide a long-term loan payment message for the long-term loan deposited in response to a long-term card loan request to the user account.

In addition, the device 100, which supports payment through card loans, receives a long-term card loan registration request from the user account at the receiving unit 110, and records cash payment details, mobile phone payment details, and BNPL payment details for the user account through the processor 120. In the process of obtaining repayment plan information from the user account, transmitting a long-term card loan request to the card company server, and providing a long-term rental payment message to the user account, it is used through a combination of various conventional networks such as the Internet network or mobile communication network. It should be noted that they can be combined, and there are no special restrictions on this.

Additionally, in one embodiment, the card loan service may be used when making a payment at an affiliated store that uses a service provided by the device 100 that supports payment through a card loan. The device 100 that supports payment through a card loan can transmit and receive various information with a user account, a telecommunication company server, a card company server, and an affiliated store server in order to provide rental money.

In addition, those skilled in the art can understand that, in addition to the components shown in FIG. 1, the device 100 that supports payments through other general-purpose card loans may be included. For example, the device 100 that supports payment through a card loan includes a memory ( (not shown) may be further included. Alternatively, according to another embodiment, those skilled in the art may understand that some of the components shown in FIG. 1 may be omitted.

The device 100 that supports payment through a card loan according to an embodiment may be used by a user and may be a touch screen such as a mobile phone, smartphone, PDA (Personal Digital Assistant), PMP (Portable Multimedia Player), tablet PC, etc. It can be linked with all types of handheld wireless communication devices equipped with panels, and can install and run applications such as desktop PCs, tablet PCs, laptop PCs, and IPTVs including set-top boxes. It can be included in or linked to an established device.

The device 100 that supports payment through a card loan may be implemented as a terminal such as a computer that operates through a computer program to realize the functions described in this specification.

The device 100 that supports payment through a card loan according to an embodiment may include, but is not limited to, a system (not shown) and a related server (not shown) that supports payment through a card loan. The server according to one embodiment may support an application that supports payment through a card loan.

Hereinafter, the description will focus on an embodiment in which the device 100, which supports payment through a card loan according to an embodiment, independently supports payment through a card loan. However, as described above, it may also be performed through linkage with a server. there is. That is, it should be noted that the device 100 and the server that support payment through a card loan according to one embodiment may be integrated in terms of their functionality, and the server may be omitted, and is not limited to any one embodiment. You can.

FIG. 2 is a flowchart illustrating each step of operation of the device 100 that supports payment through a card loan according to an embodiment.

In step S210, the device 100 that supports payment through a card loan may receive long-term card loan registration from the user account.

The user account according to one embodiment may be an account approved for simple cash payment or BNPL payment, including at least one of cash payment and mobile phone payment. The device 100 that supports payment through a card loan can provide a simple payment service based on cash or mobile phone and can provide a BNPL payment service. Simple payment services (e.g. 010 My Bank Payment, Naver Pay, Kakao Pay, etc.) allow users to store the information required for payment (e.g. credit card, account, etc.) in their user account and then access payment information each time by entering a pre-set password. It may refer to a service provided to enable payment without entering . BNPL (Buy Now Payment Later) payment service is a service provided to users who use simple payment and allows postpayment like a credit card. A long-term card loan registration request according to one embodiment is made to receive an amount exceeding a certain level when a user receives products and services, and may refer to a method of requesting repayment of the amount in multiple installments.

In step S220, the device 100 that supports payment through a card loan receives a long-term card loan registration request and acquires personal information including at least one of cash payment details, mobile phone payment details, and BNPL payment details for the user account. You can.

In one embodiment, the device 100 that supports payment through a card loan may include a server for transmitting and receiving payment-related information with a user account, a card company server, and a telecommunication company server. For example, the device 100 that supports payment through a card loan may transmit and receive information about the mobile phone payment details of the user account through a mobile communication network and a telecommunication company server corresponding to the user account. Additionally, the device 100 that supports payment through a card loan can obtain the user's account and bankbook information and can obtain payment history information in the user's account and bankbook. Therefore, the device 100 that supports payment through a card loan can obtain the user's mobile phone payment history information or cash payment history information. Additionally, the device 100 that supports payment through a card loan can obtain information about the BNPL payment history of the user account. For example, the device 100 that supports payment through a card loan can obtain information on the BNPL payment history used by the user by checking the BNPL payment service usage history provided to the user. Accordingly, the device 100 that supports payment through a card loan can provide a card loan service to a user account approved for simple cash payment or BNPL payment, including at least one of cash payment and mobile phone payment.

In step S230, the device 100 that supports payment through a card loan may obtain repayment plan information from the user account. Repayment plan information according to an embodiment may include information about the per-time repayment amount, number of repayments, and repayment period obtained from the user. Additionally, the device 100 that supports payment through a card loan can obtain repayment plan information from the user account and transmit and receive repayment plan information by communicating with the card company server.

In step S240, the device 100 that supports payment through a card loan may obtain the results of an alternative credit evaluation performed based on personal information and repayment plan information.

In one embodiment, the card loan service provided by the device 100 that supports payments through card loans is a service that provides rental money, so the need to verify the user's credit may be important. The device 100 that supports payment through a card loan may obtain an alternative credit evaluation result for the user account by evaluating the user's credit based on the personal information and repayment plan information of the user who has requested card loan registration. The device 100 that supports payment through a card loan according to an embodiment can perform an alternative credit evaluation even when providing the BNPL payment service described above. Therefore, the device 100 that supports payment through a card loan can obtain information about the “account balance amount,” which indicates the amount remaining in the user's account and bankbook linked when using the simple payment service. Additionally, the device 100 that supports payment through a card loan can obtain information about “payment purchase history” indicating the history of using a simple payment service or mobile phone payment. In addition, the device 100 that supports payments through card loans can acquire “affiliate risk” indicating the risk of the affiliated store business using the simple payment service. Additionally, the device 100 that supports payment through a card loan can obtain a “friend code” that indicates the credit rating of another user who recommended using and signing up for a simple payment service. Additionally, the device 100 that supports payment through a card loan can obtain information on “payment amount and frequency,” which indicates the amount paid and the number of payments made by the user using a simple payment service.

The device 100 that supports payment through a card loan according to an embodiment provides an alternative credit evaluation based on weights given in the order of payment purchase history, payment amount and frequency, account balance amount, friend code, and merchant risk. results can be obtained.

For example, the card loan service is a service intended to provide users who mainly use simple cash payment or BNPL payment services, and the simple payment service, mobile phone payment, and BNPL payment service are services based on immediate cash payment, so they can be used through card loans. It may be important to check whether the simple payment service, mobile phone payment, and BNPL payment service provided by the device 100 that supports payment is used, and the card loan service is a service provided to user accounts approved for simple cash payment or BNPL payment. Given that it is desirable to check information about payment purchases first, the highest weight may be given to payment purchase details.

In addition, the payment amount and frequency may be factors that determine the degree of use of services provided by the device 100 that supports payment through card loans, simple cash payment, and BNPL payment, and the larger the payment amount, the more support for payment through card loan. Since the period and frequency of using the device 100 is likely to be large and the frequency of simple cash payments is high, the payment amount and frequency may be given a high second place weight in that trust in the user may be improved.

In addition, the balance of the linked account when using the simple payment service can confirm the reliability of the refund (repayment) from the user, and the stability of the refund can be improved if it is confirmed that the pre-set amount has been maintained for more than the pre-set period. However, since the purpose of the card loan service is to provide a loan service that provides loans, the user only has to refund the amount within the period, so the importance of the current account balance may decrease, so the account balance amount is given the third highest weight. may be granted.

In addition, the friend code may refer to another user who recommended the simple payment service provided by the device 100 that supports payment through a card loan or the simple payment service entered by the user when signing up to use the BNPL payment service. The credit rating of the other user is also determined. If it is high, it can be predicted that the credit of the user recommended for the simple payment service may also be high. However, predicting the user's credit rating from the credit rating of other users may be somewhat less important in that it is not objective, so it is ranked 4th in the friend code. Weights may be assigned.

In addition, the risk level of the merchant's business using the simple payment service, mobile phone payment, or BNPL payment may be a factor in determining whether the user can continuously use the card loan service, but the risk of the user using the simple payment service, mobile phone payment, or mobile phone payment Alternatively, given that merchants using BNPL payments may have diverse industries and a large number of affiliated stores, objectivity and accuracy may be low in determining the risks to affiliated stores, so the risk level of affiliated store business is somewhat unrelated to card loan services. In this regard, it may have the lowest importance, so the lowest weight may be assigned to the risk of the affiliated store.

Therefore, the device 100 that supports payment through a card loan can improve accuracy in evaluating the user's credit by obtaining an alternative credit evaluation result of the user account based on the weight assigned as described above, thereby improving reliability. Efficiency can be improved in that alternative credit evaluation results can be obtained.

In step S250, the device 100 that supports payment through a card loan may transmit a long-term card loan request to the card company server based on the result of the alternative credit evaluation. Step S250 can be explained with reference to FIG. 3. Referring to FIG. 3, the user terminal 310 can register a long-term card loan and request a card loan service by selecting a long-term card loan (card loan) service with the device 100 that supports payment through a card loan, and supports payment through a card loan. The device 100 may collect personal information about the user account and obtain repayment plan information in response to a long-term card loan registration request. Additionally, the device 100 that supports payment through a card loan can obtain the results of an alternative credit evaluation for the user account. The device 100, which supports payment through a card loan, may decide to approve the long-term card loan registration and card loan service request if the alternative credit evaluation result is higher than the preset level, and may send the repayment plan information and loan amount to the card company server 320. You can send information and request card loan registration and service. Therefore, the card company server 320 can provide cash according to the received rental amount to the device 100 that supports payment through a card loan. In addition, the device 100 that supports payment through a card loan may determine that long-term card loan registration and long-term card loan service request are not approved if the alternative credit evaluation result is below the existing level, and the user terminal 310 cannot register a long-term card loan and Long-term card loan registration and use refusal messages containing service unavailability information may be provided.

In step S260, the device 100 that supports payment through a card loan may provide a long-term rental payment message for the long-term rental deposited according to the long-term card loan request to the user account. Referring to FIG. 3, when the device 100 that supports payment through a card loan decides to approve a long-term card loan request, it sends the corresponding amount based on the repayment plan information and loan amount information transmitted to the card company server 320. It can be provided as a cash deposit from the card company server 320. Additionally, the device 100 that supports payment through a card loan may provide the obtained cash amount to an account corresponding to the user account.

The device 100 that supports payment through a card loan according to an embodiment may support the transfer of long-term rental money deposited from the card company server 320 to a user account determined based on user input. For example, the account corresponding to the above-described user account may be determined based on user input, and the device 100 that supports payment through a card loan may support transferring the deposited long-term loan amount (required amount) to the user account. Additionally, user accounts may include not only individual user accounts but also accounts of providers providing goods and services, such as individual business accounts and corporate business accounts.

The device 100 that supports payment through a card loan according to an embodiment may support repayment obtained from a user account to be delivered to an account designated by the card company server 320. Additionally, the device 100 that supports payment through a card loan may allow repayment to be performed regularly based on repayment plan information when supporting repayment to be delivered to an account designated by the card company server 320. The account designated by the card company server 320 according to one embodiment may mean an account for the card company to repay the amount of the loan from the user, and the device 100 that supports payment through a card loan receives the repayment amount from the user account. We can support you to withdraw money and have it delivered to your credit card company account. Referring to FIG. 3, repayment can be obtained (withdrawal) from the device 100 user account that supports payment through a card loan based on the preset amount, preset number, and preset period included in the repayment plan information, and repayment Based on the planning information, we can support the delivery to the card company account on a regular basis. Therefore, the card company can attract a large number of users through the device 100 that supports payments through card loans, which has the effect of improving the card company loan subscription rate.

In another embodiment, the device 100 that supports payment through a card loan may determine the range for the preset amount, preset number, and preset period included in the repayment plan information, and may use the user terminal to obtain the repayment plan information. You can also request input of a selection within a certain range for the repayment amount at (310). For example, the device 100 that supports payment through a card loan may determine a certain range based on the results of an alternative credit evaluation for the user account in response to a long-term card loan request. When registering a card loan for a long-term loan and requesting service use, the amount is likely to be large, so the pre-set amount, number of pre-set times, and pre-set period for repayment may be important. Therefore, the device 100 that supports payment through a card loan may provide a different range of repayment plans that the user can select according to the credit evaluation of the user account. For example, the device 100 that supports payment through a card loan may determine a credit rating based on an alternative credit evaluation result for the user account. For example, the device 100 that supports payment through a card loan can classify the user according to his or her credit rating when the user's alternative credit evaluation result is higher than a preset level. Credit ratings may include A, B, and C levels. In addition, for example, if the preset level of the alternative credit evaluation result for determining card loan registration and use approval is 60% or more of 100%, if the alternative credit evaluation result level is within the range of 60% to 70%, the user A credit rating of can correspond to a C rating. Additionally, if the alternative credit evaluation result level is within the range of 70 percent to 90 percent, the user's credit rating may correspond to a B rating. Additionally, if the alternative credit evaluation result level is within the range of 90 percent or more and 100 percent or less, the user's credit rating may correspond to Grade A. In one embodiment, the device 100 that supports payment through a card loan may provide a preset amount selection input window to the user terminal 310. The preset amount may refer to the amount repaid at one time. Additionally, the preset number of times may refer to the number of times the division will be divided. Additionally, the preset period may be an element indicating when the final loan amount is repaid. For example, the device 100, which generally supports payment through a card loan, provides an amount corresponding to a preset percentage (e.g., 5 percent, 3 percent, and 2 percent) of the long-term rental amount requested by the user terminal 310. can be provided as a selection list in the preset amount selection input window, and a period corresponding to the preset period (e.g., 3 years, 5 years, 10 years, etc.) can be provided as a selection list in the selection input window. The device 100 that supports payment through a card loan can determine the preset number of times based on a preset percentage and a preset period for the amount to be repaid per time selected by the user and provide information about this to the user. . Additionally, the device 100 that supports payment through a card loan may provide different repayment additional services depending on the alternative credit evaluation results. If the user's credit rating is A, based on the initially entered preset percentage and preset period, the user can choose to repay the initially selected percentage amount at a constant rate or reselect the percentage from the remaining amount after repayment. Additional services may be provided to enable this. For example, the device 100 that supports payment through a card loan carries the burden of “scheduled repayment” or repayment amount in which repayment is continuously withdrawn at a constant rate according to the preset percentage and preset period initially selected by the user terminal 310. We may provide you with a window to select one of the “repayment add-on services” to reduce your billing. The device 100, which supports payment through a card loan, receives a preset percentage (e.g. 5%) from the remaining amount, excluding the preset percentage amount of the loan amount to be repaid first, when “repayment additional service” is received as a selection input from the user. , 4 percent and 3.5 percent), a selection list may additionally be provided in the preset amount selection input window that can reset the corresponding amount. At this time, since it is a preset percentage of the remaining amount, the difference between the plurality of percentages can be determined to be smaller than the difference between the initially provided percentages. Accordingly, the percentage is applied to the remaining amount after being repaid, and a service can be provided so that the amount corresponding to the reset percentage is continuously repaid to the remaining amount. Therefore, the amount repaid each time can be continuously updated (remaining amount * reset percentage) according to the number of repayments. At this time, the preset period and number of times can be flexibly changed according to the preset amount corresponding to the preset percentage selected by the user. In addition, the device 100 that supports payment through a card loan, if the user's credit rating is B, excludes the preset percentage amount of the loan to be first repaid and sets a preset percentage (e.g., 5%, 4.5%) of the remaining amount. A selection list may additionally be provided in the preset amount selection input window where you can reset the amount corresponding to percentage and 4 percent. At this time, since the user's credit rating is lower than the A rating, it can be determined that the difference between the percentages for reset is less than the A rating. Therefore, since it is continuously repaid and the reset percentage corresponds to the remaining amount, the amount repaid each time can be continuously updated according to the number of repayments. In addition, the device 100 that supports payment through a card loan, if the user's credit rating is grade C, excludes the preset percentage amount of the loan to be first repaid and sets a preset percentage (e.g., 5% and 4.5%) of the remaining amount. You may additionally provide a selection list in the preset amount selection input window that allows you to reset the amount corresponding to the percentage. At this time, because the user's credit rating is lower than B rating, the percentage selection range for reset can be determined to be smaller than A and B ratings. Therefore, since it is continuously repaid and the reset percentage corresponds to the remaining amount, the amount repaid each time can be continuously updated according to the number of repayments. Therefore, the device 100 that supports payment through a card loan can provide additional services according to the stability of repayment (credit rating) by providing a reset service for the preset amount according to the user's credit rating, and can provide additional services according to the user's credit rating. Accordingly, user satisfaction can also be improved by providing additional repayment services.

In another embodiment, the device 100 that supports payment through a card loan may apply the size of the weight assigned to each element for obtaining the result of the above-described alternative credit evaluation differently depending on the situation.

For example, the device 100 that supports payment through a card loan may include payment purchase history, payment amount and frequency, account balance amount, friend code, and used affiliated store as described above when the user's credit rating is A or B. The results of an alternative credit evaluation can be obtained based on the weight given in the order of risk, and if the user's credit rating is grade C, account balance amount, payment purchase history, payment amount and frequency, friend code, and merchant risk used. The results of alternative credit evaluation can be obtained based on the weights assigned higher in the order of . In addition, the device 100 that supports payment through a card loan can further obtain information on the monthly balance amount within a preset period regarding the user's account balance amount when the user's credit rating is C grade. If the user's credit rating is C, the monthly balance amount may not be very high in the sense that although the alternative credit evaluation results are above the preset level (e.g. 60 percent), the difference from the preset level may not be large. It may be desirable to check first. Therefore, if the user's credit rating is C, the account balance may be given the highest weight. In addition, if the monthly balance amount is below a certain level, the problem of non-refund may increase, so the device 100, which supports payment through card loans, is designed so that the user's monthly balance amount is continuously less than the preset amount during the preset period. If it is an amount, a card loan service use risk message containing information that there is a high probability that the credit rating will be lowered can be provided to the user terminal 310. Accordingly, the device 100 that supports payment through a card loan can improve accuracy by obtaining alternative credit evaluation results according to the size of the weight given differently depending on the situation.

The device 100 that supports payment through a card loan according to an embodiment may receive a short-term card loan registration request from a user account. Additionally, the device 100 that supports payment through a card loan may transmit a short-term card loan request to the card company server 320 regardless of the results of the alternative credit evaluation. This can be explained with reference to FIG. 4 . Referring to FIG. 4, the device 100 that supports payment through a card loan may collect personal information about the user account when a request for a short-term card loan (card loan) is received from the user terminal 310. Additionally, the device 100 that supports payment through a card loan can transmit the user's personal information and loan amount information (required amount) for a short-term loan to the card company server 320 and can request a short-term card loan. Additionally, personal information collection according to one embodiment may include the user's account information. Accordingly, the device 100 that supports payment through a card loan may transmit the user's account information obtained from the user account to the card company server 320. In the case of a short-term card loan according to one embodiment, since the payment is made in a lump sum on the card payment date of the next month, the device 100 that supports payment through the card loan does not perform a separate alternative credit evaluation process, and the card company server 320 does not perform a separate alternative credit evaluation process. Cash payment can be made for the rental amount received from the device 100 that supports payment through a card loan to the user's account, and the repayment amount can be withdrawn from the account on the card payment date of the next month.

In one embodiment, long-term card loans and short-term card loans use general loan services because the device 100 and the card company server 320, which support payments through card loans to an account designated by the user, deposit the loan amount as their main technology. It has the effect of solving the problem of inconvenience in use because the city loan account is fixed and improving user satisfaction. In addition, according to one embodiment, if a loan service is supported at the first limit for the user account at the first institution, the limit of the loan service supported at the user account is raised to the second limit by supporting the excess amount at the second institution. It can increase. When a second organization operates the card company server 320, the loan limit for the user account may increase as devices that support payments through card loans are used.

FIG. 3 is a diagram illustrating an example in which a device 100 that supports payment through a card loan provides a long-term loan service according to an embodiment.

Referring to FIG. 3, the user terminal 310 may be an account using a simple payment service or BNPL payment service provided by the device 100 that supports payment through a card loan, and the user terminal 310 supports payment through a card loan. You can request long-term card loan registration and service use with the supported device 100. The device 100 that supports payment through a card loan can collect personal information about the user account according to the received long-term card loan registration and service use request and request the user terminal 310 to input a repayment plan. The user terminal 310 can transmit the user's account information, personal information, and repayment plan input information to the device 100 that supports payment through a card loan, and the device 100 that supports payment through a card loan is a user account. An alternative credit evaluation can be performed for . Therefore, the device 100 that supports payment through a card loan can decide whether to approve or disapprove a long-term card loan registration and service use request based on the alternative credit evaluation results, and if it is determined to be approved, send a long-term card loan request to the card company server 320. Can be sent. The device 100 that supports payment through a card loan may transmit rental amount information to the card company server 320. Accordingly, the card company server 320 can pay the amount corresponding to the received rental amount information in cash to the device 100 that supports payment through a card loan. The device 100, which supports payment through a card loan, can support the transfer of cash to the user account that obtained the rental amount deposited from the card company server 320, and a long-term rental payment message including long-term card loan registration and service use approval information. can be provided as a user account. In addition, if long-term card loan registration and service use are determined to be unauthorized, a long-term card loan registration and use rejection message containing information about long-term card loan registration and long-term card loan service unavailability may be provided. Additionally, the device 100 that supports payment through a card loan can withdraw repayment from the user's account based on repayment plan information received from the user and support delivery of the repayment to the card company server 320.

FIG. 4 is a diagram illustrating an example in which a device 100 that supports payment through a card loan provides a short-term loan service according to an embodiment.

Referring to FIG. 4, the user terminal 310 may request short-term card loan registration and service use from the device 100 that supports payment through a card loan. The device 100, which supports payments through card loans, can collect personal information about user accounts according to received short-term card loan registration and service use requests. At this time, personal information about the user account may include the user's account information input by the user. The device 100 that supports payment through a card loan can transmit the user's account information and rental amount information received from the user terminal 310 to the card company server 320 and request a short-term card loan. Accordingly, the card company server 320 can pay the received rental amount in cash to the user's account and withdraw the repayment in lump sum on the card payment date of the next month. Therefore, users can receive cash payments to their accounts for short-term and long-term card loan services and receive loans in real time, which will improve the convenience of using the service provided by the device 100 that supports payments through card loans. You can.

According to one embodiment, convenience of use can be improved in that users can be provided with an automatic loan service that allows postpayment, and the device 100, which supports payments through card loans, connects the user terminal, the card company server, and the mobile communication network. Since communication is possible using the system, convenience of use can be improved in that users can easily receive loan services.

In addition, convenience of use can be improved in that users can receive loan services in real time at the desired location and time, and convenience of use can be improved in that automatic payments and loans are possible by simply entering a password when using BNPL payment and card loan services. It can be improved.

In addition, card companies can improve efficiency in that they can increase the probability of users signing up for and using loans by communicating with BNPL (Buy Now Payment Later) payment support devices and card loan service support devices.

In addition, the device 100, which supports payments through card loans, can prevent non-refund problems in that it can evaluate the user's credit in providing card loan services and automatically provide loans in response to the credit evaluation results. In providing services, by providing long-term card loan services and short-term card loan services, user satisfaction can be improved because loan services can be provided according to the period desired by the user.

In addition, since there are multiple factors for evaluating a user's credit, accuracy can be improved in evaluating and judging the user's credit, and by assigning different weights to each of the multiple factors for evaluating the user's credit, Accordingly, accuracy can be further improved and stability can be secured in that the user's credit is evaluated and approval or disapproval of automatic loan provision is determined.

Various embodiments of the present disclosure are implemented as software including one or more instructions stored in a storage medium (e.g., memory) that can be read by a machine (e.g., a display device or computer). It can be. For example, the processor 120 of the device (eg, processor 120) may call at least one instruction among one or more instructions stored from a storage medium and execute it. This allows the device to be operated to perform at least one function according to the at least one instruction called. The one or more instructions may include code generated by a compiler or code that can be executed by an interpreter. A storage medium that can be read by a device may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' only means that the storage medium is a tangible device and does not contain signals (e.g. electromagnetic waves). This term refers to cases where data is stored semi-permanently in the storage medium. There is no distinction between temporary storage cases.

According to one embodiment, methods according to various embodiments disclosed in the present disclosure may be included and provided in a computer program product. Computer program products are commodities and can be traded between sellers and buyers. The computer program product may be distributed in the form of a machine-readable storage medium (e.g. compact disc read only memory (CD-ROM)) or via an application store (e.g. Play StoreTM) or on two user devices (e.g. It can be distributed (e.g. downloaded or uploaded) directly between smartphones) or online. In the case of online distribution, at least a portion of the computer program product may be at least temporarily stored or temporarily created in a machine-readable storage medium, such as the memory of a manufacturer's server, an application store's server, or a relay server.

Although the present invention has been described with reference to the illustrative drawings, it is not limited to the disclosed embodiments and drawings, and those skilled in the art in the technical field related to the present embodiments may make modifications without departing from the essential characteristics of the above-mentioned description. You will be able to understand that it can be implemented in a certain form. Therefore, the disclosed methods should be considered from an explanatory rather than a restrictive perspective. Even if the operational effects according to the configuration of the present invention are not explicitly described and explained in the description of the embodiment, the effects that can be predicted by the configuration may also be recognized. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within the equivalent scope should be construed as being included in the present invention.

100: Device that supports payment through card loan
110: receiving unit 120: processor
310: User terminal 320: Card company server

Claims (10)

In the method of supporting payment through card loan,
Receiving a long-term card loan registration request from a user account;
Upon receiving the long-term card loan registration request, obtaining personal information including at least one of cash payment details, mobile phone payment details, and BNPL payment details for the user account;
Obtaining repayment plan information from the user account;
Obtaining a result of an alternative credit evaluation performed based on the personal information and the repayment plan information;
Transmitting a long-term card loan request to a card company server based on the results of the alternative credit evaluation; and
Method comprising: providing a long-term rental payment message for the long-term rental deposited in response to the long-term card loan request to the user account. According to claim 1,
The user account is an account approved for simple cash payment or BNPL payment including at least one of cash payment and mobile phone payment. According to claim 1,
The step of providing the long-term rental payment message is
A method for supporting the deposited long-term loan amount to be transferred to a user account determined based on user input. According to claim 3,
The method further comprising: supporting the repayment obtained from the user account to be delivered to an account designated by the card company server. According to claim 4,
The step of supporting delivery of the repayment amount to an account designated by the card company server is performed periodically based on the repayment plan information. According to claim 1,
Receiving a short-term card loan registration request from the user account;
transmitting a short-term card loan request to the card company server regardless of the results of the alternative credit evaluation; and
Method comprising: providing a loan payment message for the short-term loan deposited in response to the short-term card loan request to the user account. According to claim 6,
The method further comprising providing card loan registration information provided by the card company server to the user account in response to the short-term card loan registration request. In devices that support payment through card loans,
A receiving unit that receives a long-term card loan registration request from the user account;
Upon receiving the long-term card loan registration request, obtain personal information including at least one of cash payment details, mobile phone payment details, and BNPL payment details for the user account,
Obtain repayment plan information from the user account,
obtain results of an alternative credit evaluation performed based on the personal information and the repayment plan information;
Transmitting a long-term card loan request to the card company server based on the results of the alternative credit evaluation,
A device comprising; a processor providing a long-term rental payment message for the long-term rental deposited in response to the long-term card loan request to the user account. According to claim 8,
The receiver
Receive a short-term card loan registration request from the user account,
The processor is
Sending a short-term card loan request to the card company server regardless of the results of the alternative credit evaluation,
A device that provides a loan payment message for the short-term loan deposited in response to the short-term card loan request to the user account. A non-transitory computer-readable recording medium on which a program for implementing the method of any one of claims 1 to 7 is recorded.

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