WO2008150121A1

WO2008150121A1 - System and method for supporting business loan classified by visible trade step and program recording medium

Info

Publication number: WO2008150121A1
Application number: PCT/KR2008/003168
Authority: WO
Inventors: Ji Ho Jeong; Il Kwang Han; Hag Jin Kim; Jung Chun Chi; Seong Hwan Ha; Sung Hun Lee; Tae Yong Lee
Original assignee: Shinhan Bank
Priority date: 2007-06-05
Filing date: 2008-06-05
Publication date: 2008-12-11
Also published as: KR20090002096A

Abstract

The present invention relates to a method and system for supporting business loan in each trade transaction stage and a program recording medium thereof. A method for supporting business loan in each trade transaction stage according to the present invention includes the steps of: comparing/verifying, by a loan supporting server, stage-by-stage trade transaction status information of a loan support target company and stage-by-stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; extracting/generating, by the loan supporting server, information about stage- by- stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and providing, by the loan supporting server, a stage-by-stage loan support to the loan support target company by using the extracted/generated stage-by-stage loan support conditions.

Description

SYSTEM AND METHOD FOR SUPPORTING BUSINESS LOAN CLASSIFIED BY VISIBLE TRADE STEP AND PROGRAM

RECORDING MEDIUM

Technical Field

[1] The present invention relates to a method for supporting business loan in each trade transaction stage. The method includes the steps of: comparing/verifying, by a loan supporting server, stage-by-stage trade transaction status information of a loan support target company and stage-by- stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; extracting/generating, by the loan supporting server, information about stage- by- stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and transmitting, by the loan supporting server, the extracted/generated stage-by-stage loan support condition information to the loan support target company. Background Art

[2] Recently, domestic companies are making efforts to achieve global business in various fields. However, despite such global business efforts, domestic financial services fail to reach word-class financial services.

[3] Thus, domestic financial institutions need to provide a variety of convenient financial services for domestic & foreign funds of global companies, such as account management, liquidity management, and payment & settlement for trades, through a network including international affiliated banks, so that customers (companies) can enhance international competitive power in international transactions.

[4] Meanwhile, trade transaction companies borrow funds necessary for trade transactions from financial institutions. However, the trade transaction companies are inconvenienced by having to present loan documents, and are also inconvenienced by having to expect necessary funds (borrow money) and make a borrow request in each trade transaction stage in order to receive a loan in each value chain stage. Disclosure of Invention

Technical Problem

[5] An object of the present invention is to provide a system for supporting business loan in each trade transaction stage, including: a trade transaction status information comparing/verifying means for comparing/verifying stage-by-stage trade transaction status information of a loan support target company and stage-by- stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; a loan support condition extracting/ generating means for extracting/generating information about stage-by- stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and a loan support processing means for transmitting the extracted/generated stage-by-stage loan support condition information to the loan support target company or providing a stage-by- stage loan support to the loan support target company by using the extracted/generated stage- by- stage loan support conditions. Technical Solution

[6] A method for supporting business loan in each trade transaction stage according to the present invention includes the steps of: comparing/verifying, by a loan supporting server, stage-by-stage trade transaction status information of a loan support target company and stage-by-stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; extracting/generating, by the loan supporting server, information about stage-by- stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and providing, by the loan supporting server, a stage-by-stage loan support to the loan support target company by using the extracted/generated stage -by-stage loan support conditions.

[7] Also, a method for supporting business loan in each trade transaction stage according to the present invention includes the steps of: comparing/verifying, by a loan supporting server, stage-by-stage trade transaction status information of a loan support target company and stage-by- stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; extracting/generating, by the loan supporting server, information about stage- by- stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and transmitting, by the loan supporting server, the extracted/generated stage-by-stage loan support condition information to the loan support target company.

[8] Also, according to the present invention, the step of comparing/verifying the trade transaction status information includes the steps of: receiving, by the loan supporting server, the stage-by- stage trade transaction status information of the trade transaction opponent company through a SWIFT message and reading the received SWIFT message to extract the stage-by-stage trade transaction status information of the trade transaction opponent company; and detecting, by the loan supporting server, the stage- by-stage trade transaction status information of the trade transaction opponent company in connection with a relay server prestoring/managing the stage-by- stage trade transaction status information of the trade transaction opponent company.

[9] Also, the present invention may include a computer-readable recording medium storing a program for performing the above method.

[10] Also, a system for supporting business loan in each trade transaction stage according to the present invention includes: a trade transaction status information comparing/ verifying means for comparing/verifying stage-by-stage trade transaction status information of a loan support target company and stage-by- stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; a loan support condition extracting/generating means for extracting/generating information about stage-by-stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and a loan support processing means for the extracted/ generated stage-by-stage loan support condition information to the loan support target company or providing a stage-by-stage loan support to the loan support target company by using the extracted/generated stage-by-stage loan support conditions.

Advantageous Effects

[11] According to the present invention, a method and system for supporting business loan in each trade transaction stage is provided, thereby making it possible to overcome the inconvenience of having to present loan documents and the inconvenience of having to expect necessary funds (borrow money) and make a borrow request in each trade transaction stage. Brief Description of the Drawings

[12] Fig. 1 is a diagram illustrating an information registering system for registering trade transaction status information corresponding to a trade transaction contract according to an embodiment of the present invention.

[13] Fig. 2 is a diagram illustrating a process for registering trade transaction status information corresponding to trade transaction contract according to an embodiment of the present invention.

[14] Fig. 3 is a diagram illustrating an information registering system for registering trade transaction status information corresponding to a trade transaction contract according to an embodiment of the present invention. [15] Fig. 4 is a diagram illustrating a process for registering trade transaction status information corresponding to trade transaction contract according to an embodiment of the present invention.

[16] Fig. 5 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to an embodiment of the present invention.

[17] Fig. 6 is a diagram illustrating a loan supporting process based on trade transaction status information according to an embodiment of the present invention.

[18] Fig. 7 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to an embodiment of the present invention.

[19] Fig. 8 is a diagram illustrating a loan supporting process based on trade transaction status information according to another embodiment of the present invention.

[20] Fig. 9 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to another embodiment of the present invention.

[21] Fig. 10 is a diagram illustrating a loan supporting process based on trade transaction status information according to another embodiment of the present invention.

[22] Fig. 11 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to still another embodiment of the present invention.

[23] Fig. 12 is a diagram illustrating a loan supporting process based on trade transaction status information according to still another embodiment of the present invention. Best Mode for Carrying Out the Invention

[24] Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. The accompanying drawings and the following descriptions relate to preferred embodiments among various embodiments for efficiently describing the features of the present invention, to which the present invention is not limited. Also, the terms used herein are defined according to the functions of the present invention and may vary depending on user's or operator's intentions. Thus, the definition of the terms must be understood based on the overall descriptions made herein. In the following description, well-known functions or configurations are not described in detail since they would obscure the invention in unnecessary detail. Also, various terms are used in the following embodiments to efficiently describe the core technical features of the present invention so that those of ordinary skill in the art can clearly understand the present invention, to which the present invention is not limited. These embodiments should be construed as being provided to fully convey the technical concept of the invention to those of ordinary skill in the art. Therefore, the technical concept and scope of the invention should be defined not by the detailed description of the invention but by the appended claims.

[25] Fig. 1 is a diagram illustrating an information registering system for registering trade transaction status information corresponding to a trade transaction contract according to an embodiment of the present invention. Specifically, when a trade transaction company customer making a trade transaction contract with a trade transaction opponent company provides trade transaction status information, which includes at least one or more of trade transaction company customer information and trade transaction contract information for registration of trade transaction status information corresponding to the trade transaction contract through an information registering interface to an information registering system, the information registering system processes the trade transaction company customer information and the trade transaction contract information, which are included in the provided trade transaction status information, in an associative manner and stores the processed information in a storage medium 130. Those of ordinary skill in the art will readily derive various embodiments of the information registering system for registering the trade transaction status information corresponding to the trade transaction contract by referring to or modifying Fig. 1. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 1.

[26] Hereinafter, at least one means or functional unit, which is used to store trade transaction status information, which is provided from the trade transaction company customer through an information registering interface, in the storage medium 130 on the information registering system of Fig. 1, will be referred to as an information registering server 100.

[27] Referring to Fig. 1 according to an embodiment of the present invention, the information registering system for registering trade transaction status information corresponding to the trade transaction contract includes an information registering terminal including at least one or more client terminals, which include at least one or more wired or wireless terminals that the trade transaction company customer uses. The information registering terminal has a communication channel connected to the information registering server 100, which is provided on the information registering system, through a network means.

[28] According to the embodiment of the present invention, it is preferable that, if the trade transaction company customer is connected to the information registering server 100 through at least one or more client terminals of wired terminals connected to a wired communication network or wireless terminals connected to a wireless communication terminal, and inputs (or selects) the trade transaction status information for registration of the trade transaction status information corresponding to the trade transaction contract through at least one or more user interfaces provide by the information registering server 100, the client terminal transmits the trade transaction status information through the network means to the information registering server 100 provided on the information registering system.

[29] In addition, the trade transaction contract is included as the trade transaction status information in the embodiment of Fig. 1, but it is intended to represent that the trade transaction step of the trade transaction company customer is a step after entering into the trade transaction contract. The trade transaction status information may be provided variously according to the trade transaction step of the trade transaction company customer. For example, if the trade transaction step of the trade transaction company customer includes a shipment step, it is preferable that the trade transaction status information includes shipment related information.

[30] Herein, the wired terminal connected to the wired communication network is a general term for all terminals connected to a Transmission Control Protocol/Internet Protocol (TCP/IP) based communication network, and it is preferable that the wired terminal includes at least one or more of a desktop computer or a notebook connected to the TCP/IP based communication network, or a household terminal (i.e., a set- top-box, etc.) connected to the TCP/IP based communication network, or a KIOSK connected to the TCP/IP based communication network.

[31] In addition, the wireless terminal connected to the wireless communication network is a general term for all terminals connected to a Code Division Multiple Access (CDMA) based mobile communication network, or all terminals connected to IEEE 802.16x based portable Internet, or all terminals connected to a wireless data communication network using a DataTAC scheme of Motorola or a Mobitex scheme of Erricson, and it is preferable that the wireless terminal includes at least one or more of a Personal Communication System (PCS) or Global System for Mobile communications (GSM) or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smart Phone or Telematics connected to the CDMA based mobile communication network, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless data communication terminal connected to the DataTAC/Mobitex based wireless communication network.

[32] Furthermore, it is preferable that the information registering server 100 connected to the client terminal is any one of an Internet banking server or a wireless banking server or a telebanking server or a TV banking server according to characteristic of the client terminal and the network means, or includes a separate web server for the information registration. [33] Furthermore, it is preferable that the network means connecting the client terminal to the information registering server 100 is any one of a CDMA based mobile communication network or an IEEE 802.16x based portable internet or a DataTAX/ Mobitex based wireless data communication network according to kinds of the wireless communication network to which the client terminal is connected, or includes all kinds of wireless communication networks, which will be proposed in the future, including a wireless interval.

[34] Moreover, it is preferable that the client terminal includes a function configuration

(for example, a browser program and communication function, or a communication program and communication function communicating with the information registering server 100) for outputting at least one or more user interfaces provided from the information registering server 100, inputting or selecting at least one or more information through the user interfaces, and transmitting the information to the information registering server 100. Those of ordinary skill in the art will readily derive the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus detailed description thereof will be omitted for convenience.

[35] In the information registering system, the client terminal including at least one or more wired terminals or wireless terminals, which the trade transaction company customer uses, and at least one or more wired communication networks or wireless communication networks connecting the client terminal to the information registering server 100 perform a function of the information registering interface for allowing the trade transaction company customer to register the trade transaction status information corresponding to the trade transaction contract.

[36] According to another embodiment of the present invention, the information registering terminal may further include a call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or may further include a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or may include a terminal (or a server) (not shown) provided in at least one or more institutions affiliated with the financial institution. However, the present invention is not limited to the above-described embodiment.

[37] In the information registering system, if the information registering terminal is the call terminal (not shown), the call terminal (not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) to the information registering server 100 perform a function of the information registering interface for allowing the trade transaction company customer to register the trade transaction status information, or if the information registering terminal is the terminal (or the server) (not shown) provided in the institution affiliated with the financial institution, the terminal (or the server) (not shown) and the network connecting the terminal (or the server) (not shown) to the information registering server 100 perform a function of the information registering interface for allowing the trade transaction company customer to register the trade transaction status information corresponding to the trade transaction contract.

[38] The storage medium 130, which is provided on the information registering system, processes the trade transaction company customer information and the trade transaction contract information, which are included in the trade transaction status information provided from the information registering terminal, in an associative manner, and stores the processed information. The trade transaction status information, which includes at least one or more of the trade transaction company customer information and the trade transaction contract information stored in the storage medium 130, is used for registering the trade transaction contract information.

[39] It is preferable that the trade transaction company customer information includes at least one or more of unique information of the trade transaction company customer making a trade transaction contract with the trade transaction opponent company (e.g., a company name, a business registry number (or a unique number (or unique code) corresponding to a business registry number), an Inc. registration number (or a unique number (or unique code) corresponding to an Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the customer (e.g., member ID information provided in the storage medium 130 connected with the information registering system corresponding to the trade transaction company customer because the customer joins as a member of the trade transaction status registering system), and account information corresponding to a financial account opened in the name of the trade transaction company customer (e.g., an account opening institution, an account number, etc.).

[40] It is preferable that the trade transaction contract information includes at least one or more of a name of the trade transaction opponent company, an address of the trade transaction opponent company, a contact number of the trade transaction opponent company, a transaction bank of the trade transaction opponent company, a transaction account of the trade transaction opponent company, trade transaction target product specification, trade transaction amount, trade transaction currency, and trade transaction schedule.

[41] According to an embodiment of the present invention, it is preferable that the storage medium 130 is a DBMS provided on the information registering system (or connected with the information registering system), to which the present invention is not limited.

[42] The information registering server 100, which is provided on the information registering system, is a general term for the components of the information registering system connected through a network means to the information registering terminal. The information registering server may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, the information registering server 100 connects and manages the information registering terminal to the communication channel through the network means.

[43] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal connected to a wired communication network, it is preferable that the interface unit 105 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wired communication network or the wireless communication network, and transmitting/receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Hyper- Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 105 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP protocol, and transmitting/ receiving a webpage (for example, Hyper-Text Markup Language (HTML) compatible webpage) or information by using an HTTP protocol defined in the web browser. If a communication program (for example, Internet banking program) provided from the information registering server 100 is provided in the client terminal, the interface unit 105 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP program, and receiving information (or data) by using a communication protocol defined in the communication program.

[44] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface unit 105 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wireless communication network, and transmitting/receiving at least one information (or data) by using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Wireless Application Protocol (WAP) or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 provides a communication interface for connecting the client terminal to a communication channel, based on the CDMA protocol, and transmitting/ receiving a webpage (for example, a Wireless Markup Language (WML) compatible webpage or an HTML compatible webpage) or information by using a WAP/ME protocol defined in the browser program. If the communication program (for example, an IC chip based banking program or the like) provided from the information registering server 100 is provided in the client terminal, the interface unit 105 provides a communication interface for connecting the client terminal to the communication channel, based on the CDMA protocol, and transmitting/receiving information (or data) by using a communication protocol defined in the communication program.

[45] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 provides a communication interface for connecting the call terminal (not shown) to a call channel, based on a voice call protocol defined in the wired telephone network or the wireless telephone network, and transmitting/receiving information (or data) based on the voice call. For example, the interface unit 105 provides a communication interface for transmitting/receiving Dual Tone MultiFrequency (DTMF) based information to/from the call terminal through the call channel, or provides a communication interface for transmitting/receiving a voice recognition based information.

[46] Referring to Fig. 1, the information registering server 100 includes an interface providing unit 110, an information receiving unit 115, and an information storing unit 125. After the information registering terminal connects a communication channel with the information registering server 100 through the interface unit 105, the interface providing unit 110 generates (or extracts) a user interface for inputting (or selecting) and transmitting trade transaction status information in cooperation with the interface unit 105, and provides the user interface to the information registering terminal. The information receiving unit 115 receives the trade transaction status information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 105. The information storing unit 125 associatively processes the trade transaction company customer information and the trade transaction contract information included in the trade transaction status information, and stores the processed information in the storage medium 130.

[47] After the information registering terminal connects a communication channel with the information registering server 100 through the interface unit 105, the interface providing unit 110 generates an user interface for inputting (or selecting) the trade transaction status information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) trade transaction status information through the network means to the information registering server 100 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the network means to the information registering terminal in cooperation with the interface unit 105.

[48] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the trade transaction status information including at least one or more of the trade transaction company customer information and the trade transaction contract information, and transmits the input (or selected) trade transaction status information through the financial network to the information registering server 100.

[49] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, it is preferable that the interface providing unit 110 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 105 to the client terminal.

[50] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface providing unit 110 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 105 to the client terminal.

[51] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, it is preferable that the interface providing unit 110 generates (or extracts) a user interface, which can be provided to the call terminal (not shown), and provides the generated (or extracted) user interface (for example, an ARS based user interface) through the interface unit 605 to the call terminal (not shown).

[52] According to further embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the trade transaction status information in the information registering terminal and transmitting the input (or selected) trade transaction information through the network means to the information registering server 100, the interface providing unit 110 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[53] When the information registering terminal inputs (or selects) the trade transaction status information including at least one or more of the trade transaction company customer information and the trade transaction contract information through the user interface and transmits the input (or selected) trade transaction status information through the network means, the information receiving unit 115 receives the transmitted trade transaction status information in cooperation with the interface unit 105 and provides the received trade transaction status information to the validity checking unit 120.

[54] The validity checking unit 120 checks whether the trade transaction status information received from the information registering terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

[55] According to an embodiment of the present invention, it is preferable that checking the validity of the trade transaction status information includes checking whether at least one or more member information matching with the trade transaction status information is registered in member information D/B on a DBMS connected with the information registering system. For example, checking the validity of the trade transaction status information may include checking whether the trade transaction company customer information included in the trade transaction status information matches with the member information stored in the member information D/B on the DBMS connected with the information registering system.

[56] After the trade transaction status information is determined to be valid, the information storing unit 125 associatively processes the trade transaction company customer information and the trade transaction contract information included in the trade transaction status information and stores the processed information in the storage medium 130. If the storage medium 130 is provided in the information registering server 100 or on a network connected with the information registering server 100, it is preferable that the information storing unit 125 associatively processes the trade transaction company customer information and the trade transaction contract information included in the received trade transaction status information, and stores the processed information in the storage medium 130. If the storage medium 130 is provided in a DBMS provided on a financial system, it is preferable that the information storing unit 125 provides the trade transaction company customer information and the trade transaction contract information included in the received trade transaction status information to an information system through a front-end processing (FEP) system on the financial system to store the provided information in the DBMS provided on the financial system.

[57] Fig. 2 is a diagram illustrating a process for registering trade transaction status information corresponding to trade transaction contract according to an embodiment of the present invention. Specifically, Fig. 2 illustrates an embodiment in which, if the information registering server 100 on the information registering system illustrated in Fig. 1 has the function of a web server to allow a client terminal to be connected through a network means, when the client terminal accesses the information registering server 100 to connect a communication channel for registering the trade transaction status information corresponding to the trade transaction contract and then transmits the trade transaction status information including the trade transaction company customer information and the trade transaction contract information through the communication channel to the information registering server 100, the information registering server 100 associatively processes the trade transaction company customer information and the trade transaction contract information included in the received trade transaction status information and stores the processed information in the storage medium 130. Those of ordinary skill in the art will readily derive various embodiments of a method of registering the trade transaction status information by the client terminal into the information registering server 100 by referring to or modifying Fig. 2. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 2.

[58] Hereinafter, for simplicity's sake, the client terminal illustrated in Fig. 1 will be referred to as a terminal, the information registering server 100 illustrated in Fig. 1 will be referred to as a server, and the trade transaction company customer information and the trade transaction contract information transmitted from the client terminal to the information registering server 100 will be referred to trade transaction status information.

[59] Referring to Fig. 2, the client terminal illustrated in Fig. 1 accesses the server through a network means (for example, a TCP/IP based wired communication network if the client terminal is a wired terminal, or a CDMA based mobile communication network or an IEEE 802.16x based portable Internet if the client terminal is a wireless terminal) to connect a communication channel for registration of the trade transaction status information, and requests registration of the trade transaction status information for registering the trade transaction status information (200). The server generates (or extracts) a webpage corresponding to an information registering interface for registration of the trade transaction status information (205), and transmits the generated (or extracted) webpage through the communication channel to the terminal (210). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) trade transaction status information including at least one or more of the trade transaction company customer information and the trade transaction contract information. Also, it is preferable that the process for transmitting or outputting the webpage is performed at least one time according to the process for registering the trade transaction status information, to which the present invention is not limited.

[60] Thereafter, the terminal inputs (or selects) trade transaction status information including at least one or more of trade transaction company customer information and the trade transaction contract information by means of the information registering interface (215).

[61] If the terminal inputs (or selects) the trade transaction status information including the trade transaction company customer and the trade transaction contract information by means of the information registering interface (220), it transmits the input (or selected) trade transaction company customer information and trade transaction contract information through the communication channel to the server (225). According to an embodiment of the present invention, transmitting the input (or selected) trade transaction company customer information and trade transaction contract information through the communication channel to the server may further include electronically signing or encrypting the trade transaction status information, which is input (or selected) by means of the information registering interface, through a security module provided in the terminal, and transmitting the trade transaction status information to the server.

[62] Thereafter, the server receives the trade transaction company customer information and the trade transaction contract information through the communication channel, and reads the received information to check the validity of the trade transaction status information (230). According to an embodiment of the present invention, checking the validity of the trade transaction status information may further include decrypting the trade transaction status information if the trade transaction status information is electronically signed or encrypted by means of the security module provided in the terminal. According to an embodiment of the present invention, it is preferable that checking the validity of the trade transaction status information includes checking whether at least one or more member information matching with the trade transaction status information is registered in member information D/B on a DBMS connected with the information registering system. For example, checking the validity of the trade transaction status information may include checking whether the trade transaction company customer information included in the trade transaction status information matches with the member information stored in the member information D/B on the DBMS connected with the information registering system.

[63] If the validity of the trade transaction status information is not authenticated (235), the server generates and transmits a webpage including information-registration error information to the terminal (240), without performing an information registration process corresponding to the trade transaction status information.

[64] On the other hand, if the validity of the trade transaction status information is authenticated (235), the server performs an information registration process corresponding to the registration of the trade transaction status information, thereby processing the trade transaction company customer information and the trade transaction contract information in an associative manner and storing processed in- formation in the storage medium 130 (245). According to an embodiment of the present invention, it is preferable that the storage medium 130 is provided in a DBMS on the information registering system (or connected with the information registering system), to which the present invention is not limited.

[65] Thereafter, the server generates and transmits a webpage including information-registration specification information to the terminal (250), thereby completing the registration of the trade transaction status information transmitted from the terminal.

[66] Fig. 3 is a diagram illustrating an information registering system for registering trade transaction status information corresponding to a trade transaction contract according to an embodiment of the present invention. Specifically, when a trade transaction opponent company customer making a trade transaction contract with a trade transaction company provides trade transaction status information, which includes at least one or more of trade transaction opponent company customer information and trade transaction contract information for registration of trade transaction status information corresponding to the trade transaction contract through an information registering interface to an information registering system, the information registering system processes the trade transaction opponent company customer information and the trade transaction contract information, which are included in the provided trade transaction status information, in an associative manner and stores the processed information in a storage medium 330. Those of ordinary skill in the art will readily derive various embodiments of the information registering system for registering the trade transaction status information corresponding to the trade transaction contract by referring to or modifying Fig. 3. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 3.

[67] Hereinafter, at least one means or functional unit, which is used to store trade transaction status information, which is provided from the trade transaction opponent company customer through an information registering interface, in the storage medium 330 on the information registering system of Fig. 3, will be referred to as an information registering server 300.

[68] Referring to Fig. 3 according to an embodiment of the present invention, the information registering system for registering trade transaction status information corresponding to the trade transaction contract includes an information registering terminal including at least one or more client terminals, which include at least one or more wired or wireless terminals that the trade transaction opponent company customer uses. The information registering terminal has a communication channel connected to the information registering server 300, which is provided on the information registering system, through a network means.

[69] According to the embodiment of the present invention, it is preferable that, if the trade transaction opponent company customer is connected to the information registering server 300 through at least one or more client terminals of wired terminals connected to a wired communication network or wireless terminals connected to a wireless communication terminal, and inputs (or selects) the trade transaction status information for registration of the trade transaction status information corresponding to the trade transaction contract through at least one or more user interfaces provide by the information registering server 300, the client terminal transmits the trade transaction status information through the network means to the information registering server 300 provided on the information registering system.

[70] Herein, the wired terminal connected to the wired communication network is a general term for all terminals connected to a Transmission Control Protocol/Internet Protocol (TCP/IP) based communication network, and it is preferable that the wired terminal includes at least one or more of a desktop computer or a notebook connected to the TCP/IP based communication network, or a household terminal (i.e., a set- top-box, etc.) connected to the TCP/IP based communication network, or a KIOSK connected to the TCP/IP based communication network.

[71] In addition, the wireless terminal connected to the wireless communication network is a general term for all terminals connected to a Code Division Multiple Access (CDMA) based mobile communication network, or all terminals connected to IEEE 802.16x based portable Internet, or all terminals connected to a wireless data communication network using a DataTAC scheme of Motorola or a Mobitex scheme of Erricson, and it is preferable that the wireless terminal includes at least one or more of a Personal Communication System (PCS) or Global System for Mobile communications (GSM) or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smart Phone or Telematics connected to the CDMA based mobile communication network, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless data communication terminal connected to the DataTAC/Mobitex based wireless communication network.

[72] Furthermore, it is preferable that the information registering server 300 connected to the client terminal is any one of an Internet banking server or a wireless banking server or a telebanking server or a TV banking server according to characteristic of the client terminal and the network means, or includes a separate web server for the information registration.

[73] Furthermore, it is preferable that the network means connecting the client terminal to the information registering server 300 is any one of a CDMA based mobile communication network or an IEEE 802.16x based portable internet or a DataTAX/ Mobitex based wireless data communication network according to kinds of the wireless communication network to which the client terminal is connected, or includes all kinds of wireless communication networks, which will be proposed in the future, including a wireless interval.

[74] Moreover, it is preferable that the client terminal includes a function configuration

(for example, a browser program and communication function, or a communication program and communication function communicating with the information registering server 300) for outputting at least one or more user interfaces provided from the information registering server 300, inputting or selecting at least one or more information through the user interfaces, and transmitting the information to the information registering server 300. Those of ordinary skill in the art will readily derive the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus detailed description thereof will be omitted for convenience.

[75] In the information registering system, the client terminal including at least one or more wired terminals or wireless terminals, which the trade transaction company opponent customer uses, and at least one or more wired communication networks or wi reless communication networks connecting the client terminal to the information registering server 300 perform a function of the information registering interface for allowing the trade transaction opponent company customer to register the trade transaction status information corresponding to the trade transaction contract.

[76] According to another embodiment of the present invention, the information registering terminal may further include a call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or may further include a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or may include a terminal (or a server) (not shown) provided in at least one or more institutions affiliated with the financial institution. However, the present invention is not limited to the above-described embodiment.

[77] In the information registering system, if the information registering terminal is the call terminal (not shown), the call terminal (not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) to the information registering server 300 perform a function of the information registering interface for allowing the trade transaction opponent company customer to register the trade transaction status information, or if the information registering terminal is the terminal (or the server) (not shown) provided in the institution affiliated with the financial institution, the terminal (or the server) (not shown) and the network connecting the terminal (or the server) (not shown) to the information registering server 300 perform a function of the information registering interface for allowing the trade transaction opponent company customer to register the trade transaction status information corresponding to the trade transaction contract.

[78] The storage medium 330, which is provided on the information registering system, processes the trade transaction company customer information and the trade transaction contract information, which are included in the trade transaction status information provided from the information registering terminal, in an associative manner, and stores the processed information. The trade transaction status information, which includes at least one or more of the trade transaction opponent company customer information and the trade transaction contract information stored in the storage medium 330, is used for registering the trade transaction contract information.

[79] It is preferable that the trade transaction opponent company customer information includes at least one or more of unique information of the trade transaction opponent company customer making a trade transaction contract with the trade transaction company (e.g., a company name, a business registry number (or a unique number (or unique code) corresponding to a business registry number), an Inc. registration number (or a unique number (or unique code) corresponding to an Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the customer (e.g., member ID information provided in the storage medium 130 connected with the information registering system corresponding to the trade transaction opponent company customer because the customer joins as a member of the trade transaction status registering system), and account information corresponding to a financial account opened in the name of the trade transaction opponent company customer (e.g., an account opening institution, an account number, etc.).

[80] It is preferable that the trade transaction contract information includes at least one or more of a name of the trade transaction company, an address of the trade transaction company, a contact number of the trade transaction company, a transaction bank of the trade transaction company, a transaction account of the trade transaction company, trade transaction target product specification, trade transaction amount, trade transaction currency, and trade transaction schedule.

[81] According to an embodiment of the present invention, it is preferable that the storage medium 330 is a DBMS provided on the information registering system (or connected with the information registering system), to which the present invention is not limited.

[82] The information registering server 300, which is provided on the information registering system, is a general term for the components of the information registering system connected through a network means to the information registering terminal. The information registering server may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, the information registering server 300 connects and manages the information registering terminal to the communication channel through the network means.

[83] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal connected to a wired communication network, it is preferable that the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wired communication network or the wireless communication network, and transmitting/receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Hyper- Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP protocol, and transmitting/ receiving a webpage (for example, Hyper-Text Markup Language (HTML) compatible webpage) or information by using an HTTP protocol defined in the web browser. If a communication program (for example, Internet banking program) provided from the information registering server 300 is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP program, and receiving information (or data) by using a communication protocol defined in the communication program.

[84] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wireless communication network, and transmitting/receiving at least one information (or data) by using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Wireless Application Protocol (WAP) or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on the CDMA protocol, and transmitting/ receiving a webpage (for example, a Wireless Markup Language (WML) compatible webpage or an HTML compatible webpage) or information by using a WAP/ME protocol defined in the browser program. If the communication program (for example, an IC chip based banking program or the like) provided from the information registering server 300 is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to the communication channel, based on the CDMA protocol, and transmitting/receiving information (or data) by using a communication protocol defined in the communication program.

[85] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 provides a communication interface for connecting the call terminal (not shown) to a call channel, based on a voice call protocol defined in the wired telephone network or the wireless telephone network, and transmitting/receiving information (or data) based on the voice call. For example, the interface unit 305 provides a communication interface for transmitting/receiving Dual Tone MultiFrequency (DTMF) based information to/from the call terminal through the call channel, or provides a communication interface for transmitting/receiving a voice recognition based information.

[86] Referring to Fig. 3, the information registering server 300 includes an interface providing unit 310, an information receiving unit 315, and an information storing unit 325. After the information registering terminal connects a communication channel with the information registering server 300 through the interface unit 305, the interface providing unit 310 generates (or extracts) a user interface for inputting (or selecting) and transmitting trade transaction status information in cooperation with the interface unit 305, and provides the user interface to the information registering terminal. The information receiving unit 315 receives the trade transaction status information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 305. The information storing unit 325 associatively processes the trade transaction opponent company customer information and the trade transaction contract information included in the trade transaction status information, and stores the processed information in the storage medium 330.

[87] After the information registering terminal connects a communication channel with the information registering server 300 through the interface unit 305, the interface providing unit 310 generates an user interface for inputting (or selecting) the trade transaction status information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) trade transaction status information through the network means to the information registering server 300 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the network means to the information registering terminal in cooperation with the interface unit 305.

[88] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the trade transaction status information including at least one or more of the trade transaction opponent company customer information and the trade transaction contract information, and transmits the input (or selected) trade transaction status information through the financial network to the information registering server 300.

[89] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 305 to the client terminal.

[90] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 305 to the client terminal.

[91] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided to the call terminal (not shown), and provides the generated (or extracted) user interface (for example, an ARS based user interface) through the interface unit 305 to the call terminal (not shown).

[92] According to further embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the trade transaction status information in the information registering terminal and transmitting the input (or selected) trade transaction information through the network means to the information registering server 300, the interface providing unit 310 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[93] When the information registering terminal inputs (or selects) the trade transaction status information including at least one or more of the trade transaction opponent company customer information and the trade transaction contract information through the user interface and transmits the input (or selected) trade transaction status information through the network means, the information receiving unit 315 receives the transmitted trade transaction status information in cooperation with the interface unit 305 and provides the received trade transaction status information to the validity checking unit 320. [94] The validity checking unit 320 checks whether the trade transaction status information received from the information registering terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

[95] According to an embodiment of the present invention, it is preferable that checking the validity of the trade transaction status information includes checking whether at least one or more member information matching with the trade transaction status information is registered in member information D/B on a DBMS connected with the information registering system. For example, checking the validity of the trade transaction status information may include checking whether the trade transaction opponent company customer information included in the trade transaction status information matches with the member information stored in the member information D/ B on the DBMS connected with the information registering system.

[96] After the trade transaction status information is determined to be valid, the information storing unit 325 associatively processes the trade transaction opponent company customer information and the trade transaction contract information included in the trade transaction status information and stores the processed information in the storage medium 330. If the storage medium 330 is provided in the information registering server 300 or on a network connected with the information registering server 300, it is preferable that the information storing unit 325 associatively processes the trade transaction opponent company customer information and the trade transaction contract information included in the received trade transaction status information, and stores the processed information in the storage medium 330. If the storage medium 330 is provided in a DBMS provided on a financial system, it is preferable that the information storing unit 325 provides the trade transaction opponent company customer information and the trade transaction contract information included in the received trade transaction status information to an information system through a front-end processing (FEP) system on the financial system to store the provided information in the DBMS provided on the financial system.

[97] Fig. 4 is a diagram illustrating a process for registering trade transaction status information corresponding to trade transaction contract according to an embodiment of the present invention. Specifically, Fig. 4 illustrates an embodiment in which, if the information registering server 300 on the information registering system illustrated in Fig. 3 has the function of a web server to allow a client terminal to be connected through a network means, when the client terminal accesses the information registering server 300 to connect a communication channel for registering the trade transaction status information corresponding to the trade transaction contract and then transmits the trade transaction status information including the trade transaction opponent company customer information and the trade transaction contract information through the communication channel to the information registering server 300, the information registering server 300 associatively processes the trade transaction opponent company customer information and the trade transaction contract information included in the received trade transaction status information and stores the processed information in the storage medium 330. Those of ordinary skill in the art will readily derive various embodiments of a method of registering the trade transaction status information by the client terminal into the information registering server 300 by referring to or modifying Fig. 4. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 4.

[98] Hereinafter, for simplicity's sake, the client terminal illustrated in Fig. 3 will be referred to as a terminal, the information registering server 300 illustrated in Fig. 3 will be referred to as a server, and the trade transaction company customer information and the trade transaction contract information transmitted from the client terminal to the information registering server 300 will be referred to trade transaction status information.

[99] Referring to Fig. 4, the client terminal illustrated in Fig. 3 accesses the server through a network means (for example, a TCP/IP based wired communication network if the client terminal is a wired terminal, or a CDMA based mobile communication network or an IEEE 802.16x based portable Internet if the client terminal is a wireless terminal) to connect a communication channel for registration of the trade transaction status information, and requests registration of the trade transaction status information for registering the trade transaction status information (400). The server generates (or extracts) a webpage corresponding to an information registering interface for registration of the trade transaction status information (405), and transmits the generated (or extracted) webpage through the communication channel to the terminal (410). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) trade transaction status information including at least one or more of the trade transaction opponent company customer information and the trade transaction contract information. Also, it is preferable that the process for transmitting or outputting the webpage is performed at least one time according to the process for registering the trade transaction status information, to which the present invention is not limited.

[100] Thereafter, the terminal inputs (or selects) trade transaction status information including at least one or more of trade transaction opponent company customer information and the trade transaction contract information by means of the information registering interface (415).

[101] If the terminal inputs (or selects) the trade transaction status information including the trade transaction opponent company customer and the trade transaction contract in- formation by means of the information registering interface (420), it transmits the input (or selected) trade transaction opponent company customer information and trade transaction contract information through the communication channel to the server (425). According to an embodiment of the present invention, transmitting the input (or selected) trade transaction opponent company customer information and trade transaction contract information through the communication channel to the server may further include electronically signing or encrypting the trade transaction status information, which is input (or selected) by means of the information registering interface, through a security module provided in the terminal, and transmitting the trade transaction status information to the server.

[102] Thereafter, the server receives the trade transaction opponent company customer information and the trade transaction contract information through the communication channel, and reads the received information to check the validity of the trade transaction status information (430). According to an embodiment of the present invention, checking the validity of the trade transaction status information may further include decrypting the trade transaction status information if the trade transaction status information is electronically signed or encrypted by means of the security module provided in the terminal. According to an embodiment of the present invention, it is preferable that checking the validity of the trade transaction status information includes checking whether at least one or more member information matching with the trade transaction status information is registered in member information D/B on a DBMS connected with the information registering system. For example, checking the validity of the trade transaction status information may include checking whether the trade transaction opponent company customer information included in the trade transaction status information matches with the member information stored in the member information D/B on the DBMS connected with the information registering system.

[103] If the validity of the trade transaction status information is not authenticated (435), the server generates and transmits a webpage including information-registration error information to the terminal (440), without performing an information registration process corresponding to the trade transaction status information.

[104] On the other hand, if the validity of the trade transaction status information is authenticated (435), the server performs an information registration process corresponding to the registration of the trade transaction status information, thereby processing the trade transaction opponent company customer information and the trade transaction contract information in an associative manner and storing processed information in the storage medium 330 (445). According to an embodiment of the present invention, it is preferable that the storage medium 330 is provided in a DBMS on the information registering system (or connected with the information registering system), to which the present invention is not limited.

[105] Thereafter, the server generates and transmits a webpage including information-registration specification information to the terminal (350), thereby completing the registration of the trade transaction status information transmitted from the terminal.

[106] Fig. 5 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to an embodiment of the present invention. Specifically, after a trade transaction company customer and a trade transaction opponent company customer register trade transaction status information (e.g., trade transaction contract information) in a relay institution through the information registering system of Fig. 1 or 3, when the trade transaction company customer provides loan support request information including trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information (e.g., trade transaction contract information) to the loan supporting system through an information registering interface, the loan supporting system requests trade transaction status information corresponding to the trade transaction opponent company customer information to a relay server provided in the relay institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the relay server, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium to support a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting system for support of a loan to the trade transaction company customer by referring to or modifying Fig. 5. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 5.

[107] Hereinafter, at least one means or functional unit, which is used to request/receive, from the relay server, the trade transaction status information corresponding to the trade transaction opponent company customer information included in the loan support request information provided from the trade transaction company customer through the information registering interface on the loan supporting system of Fig. 5, check whether the received trade transaction status information of the trade transaction opponent company customer is identical to the trade transaction status information provided by the trade transaction company customer, and process a loan support requested by the trade transaction company customer according to whether the received trade transaction status information of the trade transaction opponent company customer is identical to the trade transaction status information provided by the trade transaction company customer, will be referred to as a loan supporting server 500.

[108] Referring to Fig. 5 according to an embodiment of the present invention, the loan supporting system based on the trade transaction status information includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected through a financial network (or communication network) to the loan supporting server 500 provided on the loan supporting system.

[109] According to an embodiment of the present invention, the loan supporting server 500 has a communication channel connected through a communication network to an information registering server on the information registering system of Fig. 1 or 3, and requests/receives, through the communication network from the information registering server, the trade transaction status information corresponding to the trade transaction opponent company customer information included in the loan support request information provided by the trade transaction company customer.

[110] The communication network connecting the loan supporting server 500 and the information registering server may be a TCP/IP (Transmission Control Protocol/Internet Protocol) based communication network or may include a SWIFT (Society for Worldwide Interbank Financial Telecommunication).

[I l l] Herein, the SWIFT is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/ collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[112] According to an embodiment of the present invention, when a trade transaction company customer desiring to request a loan support visits the financial institution branch (or business branch or head office), writes an application form for loan support (e.g., a document with a form for writing in at least one information field for loan support request) through a window (or a window operator) provided in the financial institution branch, and presents the written application form to the window operator, it is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the financial network (or communication network) to the loan supporting server 500 on the loan supporting system.

[113] Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the financial institution branch (or business branch or head office). Also, it is preferable that the loan supporting server 500 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the financial network (or communication network) connecting the window terminal and the loan supporting server 500 includes an own bank network that connects a communication channel between the window terminal and the loan supporting server 500.

[114] In the loan supporting system, the application form written by the trade transaction company customer, the window terminal used by the window operator, and the financial network (or communication network) connecting the window terminal and the loan supporting server 500 serve as an information registering interface that is used by the trade transaction company customer to register loan support request information for receiving a loan corresponding to the trade transaction status.

[115] The storage medium, which is provided on the loan supporting system, processes trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information, which are included in the loan support request information provided from the information registering terminal, in an associative manner and stores the processed information. The loan support request information, which includes at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information stored in the storage medium, is used to extract (or generate) the loan support request information corresponding to the trade transaction company customer.

[116] It is preferable that the trade transaction company customer information includes at least one or more of unique information of a trade transaction company customer making a trade transaction contract with a trade transaction opponent company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction company customer because the trade transaction company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction company customer (e.g., an account opening institution and an account number).

[117] It is preferable that the trade transaction opponent company customer information includes at least one or more of unique information of a trade transaction opponent company customer making a trade transaction contract with a trade transaction company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction opponent company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction opponent company customer because the trade transaction opponent company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction opponent company customer (e.g., an account opening institution and an account number).

[118] The trade transaction status information is information about a process (or step) of the trade transaction company customer performing the trade transaction by a trade transaction contract with the trade transaction opponent company customer (e.g., a contract signing step and a goods shipping step). For example, if the trade transaction company customer has signed the trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information. If the trade transaction company customer has shipped the corresponding trade transaction goods, the trade transaction status information may be replaced with shipment document information according to the trade transaction goods shipment.

[119] According to an embodiment of the present invention, the storage medium may further include loan support specification information that is generated while the loan support of the trade transaction company customer is being processed through the loan supporting server 500.

[120] According to an embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to the trade transaction status of the trade transaction company customer. The trade transaction condition information may include at least one or more a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[121] According to an embodiment of the present invention, it is preferable that the storage medium is provided in a DBMS on a financial system provided on the loan supporting system (or connected with the loan supporting system). Herein, the storage medium may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited.

[122] According to another embodiment of the present invention, the storage medium may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the loan supporting system, to which the present invention is not limited.

[123] The loan supporting server 500, which is provided on the loan supporting system, is a general term for the components of the loan supporting system connected through a financial network (or communication network) to the information registering terminal. The loan supporting server 500 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited.

[124] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), the loan supporting server 500 may be a ledger server provided on a financial system connected through a financial network (or communication network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited.

[125] Also, although Fig. 5 illustrates that the loan supporting server 500 includes all of a functional unit for receiving loan support request information of a trade transaction company customer from the information registering terminal, a functional unit for requesting trade transaction status information corresponding to the loan support request information (trade transaction opponent company information) to the relay server, a functional unit for receiving the trade transaction status information corresponding to the loan support request information from the relay server, a functional unit for comparing/verifying the trade transaction status information provided from the relay server and the trade transaction status information included in the loan support request information, a functional unit for extracting loan support conditions cor- responding to the loan support request information (trade transaction opponent company information) from a storage medium according to the comparison/verification results, and a functional unit for supporting a loan to the trade transaction company customer according to the extracted loan support conditions, the present invention is not limited thereto. That is, each functional unit of the loan supporting server 500 may be embodied using a separate server (or device). Referring to Fig. 5, the financial system is a general term for computer systems where the CMS account of the trade transaction company customer is opened (or registered). Basically, the financial system is connected through a financial network (e.g., an own bank network) to at least one or more window terminals provided in the branch (or business branch or head office) of the financial institution, and provides face-to-face financial transaction services for at least one or more financial transaction customers through the window terminals. Also, the financial system is connected through a financial network (e.g., a CD shared network) to at least one or more financial terminals including a Cash Dispenser/ Automatic Teller Machine (CD/ ATM) provided in the branch (or business branch or head office) of the financial institution, or to at least one or more financial terminals provided in at least one or more other financial institutions (or other financial institution branches) associated with the financial institution, or to at least one or more financial terminals provided in public places, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through the financial terminals. Also, the financial system is associated with an Internet banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more client terminals (e.g., notebook computers or personal computers (PCs) having the wired Internet access and browsing function, and portable terminals or notebook computers having the wireless LAN/portable Internet access and browsing function) connected to a network (e.g., a wired Internet, an IEEE 802.1 Ix based wireless LAN, and an IEEE 802.16x based portable Internet) connected through the Internet banking server to a TCP/IP based backbone network. Also, the financial system is associated with a wireless banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., PCS (Personal Communication system) terminals, GSM (Global System for Mobile Communications) terminals, PDA (Personal Digital Assistant) terminals, smart phones, or Telematics having a access and browsing function for the following mobile communication system) connected through the wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a IC chip based wireless banking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., wireless terminals mounted with a financial IC chip) connected through the IC chip based wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a telebanking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wired call terminals (e.g., telephones) connected through the telebanking server to a wired voice call network (e.g., a PSTN (Public Switched Telephone Network)), or through at least one or more of wireless call terminals (e.g., PCS terminals, GSM terminals, and/or smart phones) connected to a wireless voice call network (e.g., a CDMA based mobile communication network). Referring to Fig. 5, the financial system is a computer system provided in a financial institution to open at least one or more financial accounts (e.g., CMS accounts) to at least one or more financial transaction customers and to provide at least one or more financial transaction services based on the opened financial accounts. The financial system includes an account system, an information system, and a front-end processing (FEP) system. The account system processes window businesses such as credit, deposit, trust, and foreign exchange that are generated in at least one or more business branches (or windows). The information system processes head office businesses, business branch information provision, and customer information management. The FEP system provides interconnections between the financial system and at least one or more other financial systems (or settlement systems), accesses from at least one or more non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, and TV banking) provided in at least one or more external communication networks to the financial system, and/or various financial transaction interfaces through at least one or more shared networks (e.g., CD shared networks and financial shared networks). Also, the financial system includes a DBMS (Database Management System) that includes an interface module and at least one or more databases. The interface module corresponds to a middleware platform that provides interfaces between components in the financial system. The databases store and manage information (e.g., ledger information, customer information, and management information) that is required to perform the functions of components in the financial system. Also, depending on the intentions of those of ordinary skill in the art, the types of financial institutions provided in the financial system (e.g., a commercial bank, a savings bank, and a trust bank), and the purposes and characteristics of the financial system, the financial system may further include at least one or more of a foreign exchange system module (not shown), an investment finance system module (not shown), and an international system module (not shown), to which the present invention is not limited. Those of ordinary skill in the art will fully know the technical details of the financial system, and thus their detailed description will be omitted for conciseness.

[128] According to the present invention, the DBMS provided in the financial system includes a ledger D/B for allowing the financial system to open at least one or more financial accounts to at least one or more financial transaction customers and provide at least one or more financial transaction services based on the opened financial accounts. At least one or more ledger information (e.g., customer ledgers, deposit ledgers, and mortgage ledgers) for at least one or more financial transaction processes, which are to be provided by the financial institution to the financial transaction customers, and at least one or more additional ledger information corresponding to the ledger information (e.g., specifying or supplementing the attribute and function of each ledger) are associatively processed and stored in the ledger D/B in a relationship fashion.

[129] Those of ordinary skill in the art will fully know at least one or more ledger information provided in the ledger D/B depending on the type of each financial institution and the purposes and characteristics of the financial system and at least one or more additional ledger information corresponding to each ledger information, and also will fully know that each ledger information is associatively processed and stored in a relationship fashion or ledger information and at least one or more additional ledger information are associatively processed and stored in a relationship fashion, and thus their detailed description will be omitted for conciseness.

[130] According to an embodiment of the present invention, the loan supporting server 500 includes an interface unit 505 for connecting and managing a communication channel with the information registering terminal through a financial network (or communication network).

[131] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface unit 505 connects a communication with the window terminal based on a protocol stack defined in the financial network (or communication network), and provides a communication interface for transmission/ reception of at least one or more data (or information) by using a communication protocol defined in a financial transaction-related program provided in the window terminal. [132] Referring to Fig. 5, the loan supporting server 500 includes an interface providing unit 510, an information receiving unit 515, a validity checking unit 520, a status information requesting unit 525, a status information receiving unit 530/515, a comparing/verifying unit 535, an extracting/generating unit 540, and a loan supporting unit 545. After the information registering terminal connects a communication channel with the loan supporting server 500 through the interface unit 505, the interface providing unit 510 generates (or extracts) a user interface for inputting (or selecting) and transmitting loan support request information in cooperation with the interface unit 505, and provides the user interface to the information registering terminal. The information receiving unit 515 receives the loan support request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 505. The validity checking unit 520 checks the validity of the received loan support request information. The status information requesting unit 525 transmits trade transaction opponent company customer information included in the received loan support request information to a relay server to request trade transaction status information corresponding to the trade transaction opponent company customer information. The status information receiving unit 530/515 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server. The comparing/verifying unit 535 compares/verifies the trade transaction status information corresponding to the trade transaction opponent company customer information received from the relay server and the trade transaction status information of the trade transaction company customer included in the loan support request information. The extracting/generating unit 540 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information of the trade transaction company customer from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company customer by reference to the trade transaction condition information stored in the storage medium. The loan supporting unit 545 supports a loan to the trade transaction company customer corresponding to the extracted/generated trade transaction condition information.

[133] After the information registering terminal connects a communication channel with the loan supporting server 500 through the interface unit 505, the interface providing unit 510 generates an user interface for inputting (or selecting) the loan support request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 500 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the financial network (or communication network) to the information registering terminal in cooperation with the interface unit 505.

[134] According to another embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the loan support request information in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 500, the interface providing unit 510 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[135] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the loan support request information including at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information, and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 500.

[136] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface providing unit 510 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 505 to the window terminal.

[137] When the information registering terminal inputs (or selects) the loan support request information including at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information through the user interface and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 500, the information receiving unit 515 receives the transmitted loan support request information in cooperation with the interface unit 505 and provides the received loan support request information to the validity checking unit 520.

[138] The validity checking unit 520 checks whether the loan support request information received from the information registering terminal satisfies the validity for receiving a loan corresponding to the trade transaction status.

[139] According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/ B on a financial system connected with the loan supporting system.

[140] The status information requesting unit 525 transmits trade transaction opponent company customer information included in the loan support request information of the trade transaction company customer received through the information receiving unit 515 to a relay server, to request trade transaction status information corresponding to the trade transaction opponent company customer information.

[141] According to an embodiment of the present invention, the relay server receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium.

[142] Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 500, the relay server extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 500.

[143] The status information receiving unit 530/515 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server, and provides the received trade transaction status information corresponding to the trade transaction opponent company customer information to the comparing/verifying unit 535.

[144] Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server through the status information receiving unit 530/515, the comparing/verifying unit 535 compares the received trade transaction status information and the trade transaction status information included in the loan support request information provided by the trade transaction company, verifies whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company, and provides the comparison/verification results to the extracting/generating unit 540. According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the comparing/ verifying unit 535 compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the relay server and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information included in the loan support request information provided by the trade transaction company, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[145] When the comparison/verification of the trade transaction contract information (trade transaction status information) included in the loan support request information provided by the trade transaction company is completed by the comparing/verifying unit 535, the extracting/generating unit 540 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium. Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[146] If the trade transaction condition information corresponding to the compared/verified trade transaction status information is extracted by the extracting/generating unit 540 from the storage medium, or if the trade transaction condition information corresponding to the trade transaction status information of the trade transaction company is generated by the extracting/generating unit 540 by reference to the trade transaction condition information stored in the storage medium, the loan supporting unit 545 supports a loan to the trade transaction company customer corresponding to the extracted/generated trade transaction condition information. According to an embodiment of the present invention, it is preferable that the loan supporting unit 545 detects a loan money amount corresponding to the extracted/generated trade transaction condition information and deposits the detected loan money amount in the trade transaction company customer account.

[147] Fig. 6 is a diagram illustrating a loan supporting process based on trade transaction status information according to an embodiment of the present invention. Specifically, Fig. 6 illustrates an embodiment in which, after a trade transaction company customer and a trade transaction opponent company customer register trade transaction status information (e.g., trade transaction contract information) in a relay institution through the information registering system of Fig. 1 or 3, when the trade transaction company customer provides loan support request information including trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information (e.g., trade transaction contract information) to the loan supporting system of Fig. 5 through an information registering interface, the loan supporting system requests trade transaction status information corresponding to the trade transaction opponent company customer information to a relay server provided in the relay institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the relay server, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium to support a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting process for the trade transaction company customer by referring to or modifying Fig. 6. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 6.

[148] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 5 will be referred to as a terminal, the loan supporting server 500 illustrated in Fig. 5 will be referred to as a server, and the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information transmitted from the window terminal to the loan supporting server 500 will be referred to as loan support request information.

[149] Referring to Fig. 6, the window terminal illustrated in Fig. 5 accesses the server through a financial network (or communication network) to connect a communication channel for registration of the loan support request information, and requests registration of the loan support request information for the loan support (600). The server generates (or extracts) an information registering interface for registration of the loan support request information (605), and transmits the generated (or extracted) information registering interface through the communication channel to the terminal (610). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) loan support request information including at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information.

[150] Thereafter, the terminal inputs (or selects) loan support request information including at least one or more of trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information by means of the information registering interface (615). If the terminal inputs (or selects) the loan support request information including the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information by means of the information registering interface (620), it transmits the input (or selected) loan support request information including the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information through the financial network (or communication network) to the server (625).

[151] Thereafter, the server receives the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information through the financial network (or communication network), and reads the received information to check the validity of the loan support request information (630). According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/B on a financial system connected with the loan supporting system.

[152] If the validity of the loan support request information is not authenticated (635), the server generates and transmits information-registration error information to the terminal (640), without performing an information registration process corresponding to the loan support request information.

[153] On the other hand, if the validity of the loan support request information is authenticated (635), the server transmits trade transaction opponent company customer information included in the received loan support request information of the trade transaction company customer to a relay server, to request trade transaction status information corresponding to the trade transaction opponent company customer information (645). According to an embodiment of the present invention, the relay server receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium.

[154] Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 500, the relay server extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 500.

[155] Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server (650), the server compares the received trade transaction status information and the trade transaction status information included in the loan support request information provided by the trade transaction company to verify whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company (655). According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the server compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the relay server and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information included in the loan support request information provided by the trade transaction company, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[156] When the comparison/verification of the trade transaction contract information (trade transaction status information) included in the loan support request information provided by the trade transaction company is completed (660), the server extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium (665). Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[157] Thereafter, if the trade transaction condition information corresponding to the compared/verified trade transaction status information is extracted from the storage medium, or if the trade transaction condition information corresponding to the trade transaction status information of the trade transaction company is generated by reference to the trade transaction condition information stored in the storage medium, the server supports a loan to the trade transaction company customer corresponding to the extracted/generated trade transaction condition information (670). According to an embodiment of the present invention, it is preferable that server detects a loan money amount corresponding to the extracted/generated trade transaction condition information and deposits the detected loan money amount in the trade transaction company customer account.

[158] Fig. 7 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to an embodiment of the present invention. Specifically, if a trade transaction company customer and a trade transaction opponent company customer register trade transaction status information (e.g., trade transaction contract information) in a relay institution through the information registering system of Fig. 1 or 3, if the trade transaction company customer is a CMS member of a financial institution provided with a loan supporting system, and if trade transaction status information is prestored in a storage medium on the loan supporting system, the loan supporting system requests trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to a relay server provided in the relay institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the relay server, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium and notifies the loan support condition information to the trade transaction company customer. Thereafter, when the trade transaction company customer provides loan support request information including at least one of a loan money amount, a loan interest, and a loan term to the loan supporting system through an information registering interface, the loan supporting system supports a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting system for support of a loan to the trade transaction company customer by referring to or modifying Fig. 7. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 7. Hereinafter, at least one means or functional unit, which is used to request the trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to a relay server provided in the relay institution on the loan supporting system of Fig. 7, to check, if the trade transaction status information corresponding to the trade transaction opponent company customer information is received from the relay server, whether the received trade transaction status information of the trade transaction opponent company customer is identical to the trade transaction status information provided by the trade transaction company customer, to detect, if identical, loan support conditions corresponding to the trade transaction status from a storage medium, and to notify the detected load support conditions to the trade transaction company customer, will be referred to as a loan supporting server 700.

[160] Referring to Fig. 7 according to an embodiment of the present invention, the loan supporting system based on the trade transaction status information includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected through a financial network (or communication network) to the loan supporting server 700 provided on the loan supporting system.

[161] According to an embodiment of the present invention, the loan supporting server 700 has a communication channel connected through a communication network to an information registering server on the information registering system of Fig. 3, and requests/receives the trade transaction status information corresponding to the trade transaction opponent company customer information corresponding to the loan support request information of the trade transaction company customer from the information registering server through the communication network.

[162] The communication network connecting the loan supporting server 700 and the information registering server may be a TCP/IP (Transmission Control Protocol/Internet Protocol) based communication network or may include a SWIFT (Society for Worldwide Interbank Financial Telecommunication).

[163] Herein, the SWIFT is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/ collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[164] According to an embodiment of the present invention, the loan supporting server 700 requests trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to a relay server provided in the relay institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the relay server, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium and notifies the loan support condition information to a communication means of the trade transaction company customer.

[165] In order to request a loan support corresponding to the loan support condition information, the trade transaction company customer provided with the loan support condition information from the loan supporting server 700 visits the financial institution branch (or business branch or head office), writes an application form for loan support (e.g., a document with a form for writing in at least one information field for loan support request) through a window (or a window operator) provided in the financial institution branch, and presents the written application form to the window operator. It is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the financial network (or communication network) to the loan supporting server 700 on the loan supporting system.

[166] Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the financial institution branch (or business branch or head office). Also, it is preferable that the loan supporting server 700 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the financial network (or communication network) connecting the window terminal and the loan supporting server 700 includes an own bank network that connects a communication channel between the window terminal and the loan supporting server 700.

[167] In the loan supporting system, the application form written by the trade transaction company customer, the window terminal used by the window operator, and the financial network (or communication network) connecting the window terminal and the loan supporting server 700 serve as an information registering interface that is used by the trade transaction company customer to register loan support request information for receiving a loan corresponding to the trade transaction status.

[168] The storage medium provided on the loan supporting system processes the loan money amount, the loan interest, and the loan term, which are included in the loan support request information provided from the information registering terminal, in an associative manner and stores the processed information. The loan support request information, including at least one or more of the loan money amount, the loan interest, and the loan term stored in the storage medium, is used to provide a loan support cor- responding to the trade transaction company customer.

[169] Also, it is preferable that the storage medium has CMS member information for members of at least one or more trade transaction company customers. Also, it is preferable that the storage medium has trade transaction company customer information, trade transaction opponent company customer information of the trade transaction company customer, and trade transaction status information of the trade transaction company customer managed as the CMS member.

[170] Herein, it is preferable that the trade transaction company customer information includes at least one or more of unique information of a trade transaction company customer making a trade transaction contract with a trade transaction opponent company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction company customer because the trade transaction company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction company customer (e.g., an account opening institution and an account number).

[171] It is preferable that the trade transaction opponent company customer information includes at least one or more of unique information of a trade transaction opponent company customer making a trade transaction contract with a trade transaction company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction opponent company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction opponent company customer because the trade transaction opponent company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction opponent company customer (e.g., an account opening institution and an account number).

[172] The trade transaction status information is information about a process (or step) of the trade transaction company customer performing the trade transaction by a trade transaction contract with the trade transaction opponent company customer (e.g., a contract signing step and a goods shipping step). For example, if the trade transaction company customer has signed the trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information. If the trade transaction company customer has shipped the corresponding trade transaction goods, the trade transaction status information may be replaced with shipment document information according to the trade transaction goods shipment.

[173] According to an embodiment of the present invention, the storage medium may further include loan support specification information that is generated while the loan support of the trade transaction company customer is being processed through the loan supporting server 700.

[174] According to an embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to the trade transaction status of the trade transaction company customer. The trade transaction condition information may include at least one or more a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[175] According to an embodiment of the present invention, it is preferable that the storage medium is provided in a DBMS on a financial system provided on the loan supporting system (or connected with the loan supporting system). Herein, the storage medium may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited.

[176] According to another embodiment of the present invention, the storage medium may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the loan supporting system, to which the present invention is not limited.

[177] The loan supporting server 700, which is provided on the loan supporting system, is a general term for the components of the loan supporting system connected through a financial network (or communication network) to the information registering terminal. The loan supporting server 700 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited.

[178] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), the loan supporting server 700 may be a ledger server provided on a financial system connected through a financial network (or communication network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited.

[179] Also, although Fig. 7 illustrates that the loan supporting server 700 includes all of a functional unit for requesting trade transaction status information corresponding to the loan support request information (trade transaction opponent company information) to the relay server, a functional unit for receiving the trade transaction status information corresponding to the loan support request information from the relay server, a functional unit for comparing/verifying the trade transaction status information provided from the relay server and the trade transaction status information included in the loan support request information, a functional unit for extracting loan support conditions corresponding to the loan support request information (trade transaction opponent company information) from a storage medium according to the comparison/ verification results, a functional unit for providing the extracted loan support condition information to a communication means of the trade transaction company customer, a functional unit for receiving loan support request information of the trade transaction company customer from the information registering terminal, and a functional unit for supporting a loan to the trade transaction company customer according to the received loan support request information, the present invention is not limited thereto. That is, each functional unit of the loan supporting server 700 may be embodied using a separate server (or device).

[180] Referring to Fig. 7, the financial system is a general term for computer systems where the CMS account of the trade transaction company customer is opened (or registered). Basically, the financial system is connected through a financial network (e.g., an own bank network) to at least one or more window terminals provided in the branch (or business branch or head office) of the financial institution, and provides face-to-face financial transaction services for at least one or more financial transaction customers through the window terminals. Also, the financial system is connected through a financial network (e.g., a CD shared network) to at least one or more financial terminals including a Cash Dispenser/ Automatic Teller Machine (CD/ ATM) provided in the branch (or business branch or head office) of the financial institution, or to at least one or more financial terminals provided in at least one or more other financial institutions (or other financial institution branches) associated with the financial institution, or to at least one or more financial terminals provided in public places, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through the financial terminals. Also, the financial system is associated with an Internet banking server, and provides no n- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more client terminals (e.g., notebook computers or personal computers (PCs) having the wired Internet access and browsing function, and portable terminals or notebook computers having the wireless LAN/portable Internet access and browsing function) connected to a network (e.g., a wired Internet, an IEEE 802.1 Ix based wireless LAN, and an IEEE 802.16x based portable Internet) connected through the Internet banking server to a TCP/IP based backbone network. Also, the financial system is associated with a wireless banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., PCS (Personal Communication system) terminals, GSM (Global System for Mobile Communications) terminals, PDA (Personal Digital Assistant) terminals, smart phones, or Telematics having a access and browsing function for the following mobile communication system) connected through the wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a IC chip based wireless banking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., wireless terminals mounted with a financial IC chip) connected through the IC chip based wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a telebanking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wired call terminals (e.g., telephones) connected through the telebanking server to a wired voice call network (e.g., a PSTN (Public Switched Telephone Network)), or through at least one or more of wireless call terminals (e.g., PCS terminals, GSM terminals, and/or smart phones) connected to a wireless voice call network (e.g., a CDMA based mobile communication network). Referring to Fig. 7, the financial system is a computer system provided in a financial institution to open at least one or more financial accounts (e.g., CMS accounts) to at least one or more financial transaction customers and to provide at least one or more financial transaction services based on the opened financial accounts. The financial system includes an account system, an information system, and a front-end processing (FEP) system. The account system processes window businesses such as credit, deposit, trust, and foreign exchange that are generated in at least one or more business branches (or windows). The information system processes head office businesses, business branch information provision, and customer information management. The FEP system provides interconnections between the financial system and at least one or more other financial systems (or settlement systems), accesses from at least one or more non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, and TV banking) provided in at least one or more external communication networks to the financial system, and/or various financial transaction interfaces through at least one or more shared networks (e.g., CD shared networks and financial shared networks). Also, the financial system includes a DBMS (Database Management System) that includes an interface module and at least one or more databases. The interface module corresponds to a middleware platform that provides interfaces between components in the financial system. The databases store and manage information (e.g., ledger information, customer information, and management information) that is required to perform the functions of components in the financial system. Also, depending on the intentions of those of ordinary skill in the art, the types of financial institutions provided in the financial system (e.g., a commercial bank, a savings bank, and a trust bank), and the purposes and characteristics of the financial system, the financial system may further include at least one or more of a foreign exchange system module (not shown), an investment finance system module (not shown), and an international system module (not shown), to which the present invention is not limited. Those of ordinary skill in the art will fully know the technical details of the financial system, and thus their detailed description will be omitted for conciseness.

[182] According to the present invention, the DBMS provided in the financial system includes a ledger D/B for allowing the financial system to open at least one or more financial accounts to at least one or more financial transaction customers and provide at least one or more financial transaction services based on the opened financial accounts. At least one or more ledger information (e.g., customer ledgers, deposit ledgers, and mortgage ledgers) for at least one or more financial transaction processes, which are to be provided by the financial institution to the financial transaction customers, and at least one or more additional ledger information corresponding to the ledger information (e.g., specifying or supplementing the attribute and function of each ledger) are associatively processed and stored in the ledger D/B in a relationship fashion.

[183] Those of ordinary skill in the art will fully know at least one or more ledger information provided in the ledger D/B depending on the type of each financial institution and the purposes and characteristics of the financial system and at least one or more additional ledger information corresponding to each ledger information, and also will fully know that each ledger information is associatively processed and stored in a relationship fashion or ledger information and at least one or more additional ledger information are associatively processed and stored in a relationship fashion, and thus their detailed description will be omitted for conciseness.

[184] According to an embodiment of the present invention, the loan supporting server 700 includes a status information requesting unit 725, a status information receiving unit 715/730, a comparing/verifying unit 735, an extracting/generating unit 740, and an information transmitting unit 755. The status information requesting unit 725 transmits trade transaction opponent company customer information corresponding to the trade transaction company customer stored in the storage medium to the relay server to request trade transaction status information corresponding to the trade transaction opponent company customer information. The status information receiving unit 715/730 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server. The comparing/verifying unit 735 compares/verifies the trade transaction status information corresponding to the trade transaction opponent company customer information received from the relay server and the trade transaction status information of the trade transaction company customer stored in the storage medium. The extracting/generating unit 740 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information of the trade transaction company customer from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company customer by reference to the trade transaction condition information stored in the storage medium. The information transmitting unit 755 transmits the extracted/generated trade transaction condition information to the trade transaction company customer communication means.

[185] The status information requesting unit 725 transmits trade transaction opponent company customer information included in the loan support request information of the trade transaction company customer stored in the storage medium to a relay server, to request trade transaction status information corresponding to the trade transaction opponent company customer information.

[186] According to an embodiment of the present invention, the relay server receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium.

[187] Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 700, the relay server extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 700.

[188] The status information receiving unit 715/730 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server, and provides the received trade transaction status information corresponding to the trade transaction opponent company customer information to the comparing/verifying unit 735.

[189] Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server through the status information receiving unit 715/730, the comparing/verifying unit 735 compares the received trade transaction status information and the trade transaction status information of the trade transaction company customer stored in the storage medium, verifies whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company, and provides the comparison/verification results to the extracting/generating unit 740. According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the comparing/verifying unit 735 compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the relay server and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information of the trade transaction company stored in the storage medium, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[190] When the comparison/verification of the trade transaction contract information (trade transaction status information) included in the loan support request information provi ded by the trade transaction company is completed by the comparing/verifying unit 735, the extracting/generating unit 740 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium. Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/ loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/ loanable money amount for each trade transaction opponent company record (or transaction specification).

[191] The information transmitting unit 755 transmits the extracted/generated trade transaction condition information to the trade transaction company customer communication means (e.g., Electronic mail, Text message, Wired/wireless phone, Fax, Home page, Blog, Mini home page, and Messenger).

[192] According to an embodiment of the present invention, the loan supporting server 700 includes an interface unit 705 for connecting and managing a communication channel with the information registering terminal through a financial network (or communication network).

[193] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface unit 705 connects a communication with the window terminal based on a protocol stack defined in the financial network (or communication network), and provides a communication interface for transmission/ reception of at least one or more data (or information) by using a communication pro tocol defined in a financial transaction-related program provided in the window terminal.

[194] Referring to Fig. 7, the loan supporting server 700 includes an interface providing unit 710, an information receiving unit 715, a validity checking unit 720, and a loan supporting unit 745. After the information registering terminal connects a communication channel with the loan supporting server 700 through the interface unit 705, the interface providing unit 710 generates (or extracts) a user interface for inputting (or selecting) and transmitting loan support request information in cooperation with the interface unit 705, and provides the user interface to the information registering terminal. The information receiving unit 715 receives the loan support request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 705. The validity checking unit 720 checks the validity of the received loan support request information. The loan supporting unit 745 supports a loan to the trade transaction company customer corresponding to the valid loan support request information.

[195] After the information registering terminal connects a communication channel with the loan supporting server 700 through the interface unit 705, the interface providing unit 710 generates an user interface for inputting (or selecting) the loan support request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 700 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the financial network (or communication network) to the information registering terminal in cooperation with the interface unit 705.

[196] According to another embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the loan support request information in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 700, the interface providing unit 710 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[197] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the loan support request information including at least one or more of the loan money amount, the loan interest, and the loan term, and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 700. According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface providing unit 710 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 705 to the window terminal.

[198] When the information registering terminal inputs (or selects) the loan support request information including at least one or more of the loan money amount, the loan interest, and the loan term through the user interface and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 700, the information receiving unit 715 receives the transmitted loan support request information in cooperation with the interface unit 705 and provides the received loan support request information to the validity checking unit 720.

[199] The validity checking unit 720 checks whether the loan support request information received from the information registering terminal satisfies the validity for receiving a loan corresponding to the trade transaction status. According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the loan money amount, the loan rate, and the loan term included in the loan support request information match with the loan money amount, the loan rate, and the loan term included in the loan support condition information of the trade transaction company customer stored in the storage medium.

[200] The loan supporting unit 745 supports a loan to the trade transaction company customer by reference to the valid loan support request information. According to an embodiment of the present invention, it is preferable that the loan supporting unit 745 detects a loan money amount corresponding to the loan support request information and deposits the detected loan money amount in the trade transaction company customer account.

[201] Fig. 8 is a diagram illustrating a loan supporting process based on trade transaction status information according to another embodiment of the present invention. Specifically, if a trade transaction company customer and a trade transaction opponent company customer register trade transaction status information (e.g., trade transaction contract information) in a relay institution through the information registering system of Fig. 1 or 3, if the trade transaction company customer is a CMS member of a financial institution provided with a loan supporting system, and if trade transaction status information is prestored in a storage medium on the loan supporting system, the loan supporting system requests trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to a relay server provided in the relay institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the relay server, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium and notifies the loan support condition information to the trade transaction company customer. Thereafter, when the trade transaction company customer provides loan support request information including at least one of a loan money amount, a loan interest, and a loan term to the loan supporting system through an information registering interface, the loan supporting system supports a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting process for the trade transaction company customer by referring to or modifying Fig. 8. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 8.

[202] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 5 will be referred to as a terminal, the loan supporting server 500 illustrated in Fig. 7 will be referred to as a server, and the loan money amount, the loan interest, and the loan term transmitted from the window terminal to the loan supporting server 500 will be referred to as loan support request information.

[203] Referring to Fig. 8, the server transmits trade transaction opponent company customer information included in the loan support request information of the trade transaction company customer stored in the storage medium to a relay server, to request trade transaction status information corresponding to the trade transaction opponent company customer information (800). According to an embodiment of the present invention, the relay server receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium.

[204] Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 700, the relay server extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 700.

[205] The server receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server (805). Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the relay server, the server compares the received trade transaction status information with the trade transaction status information of the trade transaction company customer stored in the storage medium to verify whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company customer (810). According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the server compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the relay server and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information of the trade transaction company stored in the storage medium, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[206] When the comparison/verification of the trade transaction contract information (trade transaction status information) of the trade transaction company stored in the storage medium is completed (815), the server extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium. Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/ loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/ loanable money amount for each trade transaction opponent company record (or transaction specification).

[207] Thereafter, the server transmits the extracted/generated trade transaction condition information to the trade transaction company customer communication means (e.g., Electronic mail, Text message, Wired/wireless phone, Fax, Home page, Blog, Mini home page, and Messenger) (820).

[208] Thereafter, the window terminal illustrated in Fig. 7 accesses the server through a financial network (or communication network) to connect a communication channel for registration of the loan support request information, and requests registration of the loan support request information for the loan support based on the trade transaction condition information (825). The server generates (or extracts) an information registering interface for registration of the loan support request information (830), and transmits the generated (or extracted) information registering interface through the communication channel to the terminal (835). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) loan support request information including at least one or more of the loan money amount, the loan interest, and the loan term.

[209] Thereafter, the terminal inputs (or selects) loan support request information including at least one or more of a loan money amount, a loan interest, and a loan term by means of the information registering interface (840).

[210] If the terminal inputs (or selects) the loan support request information including the loan money amount, the loan interest, and the loan term by means of the information registering interface (845), it transmits the input (or selected) loan support request information including the loan money amount, the loan interest, and the loan term through the financial network (or communication network) to the server (850).

[211] Thereafter, the server receives the loan money amount, the loan interest, and the loan term through the financial network (or communication network), and reads the received information to check the validity of the loan support request information (855). According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the loan money amount, the loan rate, and the loan term included in the loan support request information match with the loan money amount, the loan rate, and the loan term included in the loan support condition information of the trade transaction company customer stored in the storage medium.

[212] If the validity of the loan support request information is not authenticated (860), the server generates and transmits information-registration error information to the terminal (865), without performing an information registration process corresponding to the loan support request information.

[213] On the other hand, if the validity of the loan support request information is authenticated (860), the server supports a loan to the trade transaction company customer corresponding to the valid loan support request information (870). According to an embodiment of the present invention, it is preferable that the server detects a loan money amount corresponding to the loan support request information and deposits the detected loan money amount in the trade transaction company customer account.

[214] Fig. 9 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to another embodiment of the present invention. Specifically, after a trade transaction opponent company customer registers trade transaction status information (e.g., trade transaction contract information) in a financial institution of the trade transaction opponent company customer through the information registering system of Fig. 3, when a trade transaction company customer making a trade transaction contract with the trade transaction opponent company customer provides loan support request information including trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information (e.g., trade transaction contract information) to the loan supporting system through an information registering interface, the loan supporting system requests trade transaction status information corresponding to the trade transaction opponent company customer information to the trade transaction opponent company customer financial institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the trade transaction opponent company customer financial institution, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium to support a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting system for support of a loan to the trade transaction company customer by referring to or modifying Fig. 9. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 9.

[215] Hereinafter, at least one means or functional unit, which is used to request/receive, from the trade transaction opponent company customer financial institution, the trade transaction status information corresponding to the trade transaction opponent company customer information included in the loan support request information provided from the trade transaction company customer through the information registering interface on the loan supporting system of Fig. 9, check whether the received trade transaction status information of the trade transaction opponent company customer is identical to the trade transaction status information provided by the trade transaction company customer, and process a loan support requested by the trade transaction company customer according to whether the received trade transaction status information of the trade transaction opponent company customer is identical to the trade transaction status information provided by the trade transaction company customer, will be referred to as a loan supporting server 900.

[216] Referring to Fig. 9 according to an embodiment of the present invention, the loan supporting system based on the trade transaction status information includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected through a financial network (or communication network) to the loan supporting server 900 provided on the loan supporting system.

[217] According to an embodiment of the present invention, the loan supporting server 900 has a communication channel connected through a communication network to an information registering server on the information registering system in the trade transaction opponent company customer financial institution of Fig. 1 or 3, and requests/receives, through the communication network from the trade transaction opponent company customer financial institution, the trade transaction status information corresponding to the trade transaction opponent company customer information included in the loan support request information provided by the trade transaction company customer.

[218] The communication network connecting the loan supporting server 900 and the trade transaction opponent company customer financial institution may be a TCP/IP (Transmission Control Protocol/Internet Protocol) based communication network or may include a SWIFT (Society for Worldwide Interbank Financial Telecommunication).

[219] Herein, the SWIFT is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/ collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[220] According to an embodiment of the present invention, when a trade transaction company customer desiring to request a loan support visits the financial institution branch (or business branch or head office), writes an application form for loan support (e.g., a document with a form for writing in at least one information field for loan support request) through a window (or a window operator) provided in the financial institution branch, and presents the written application form to the window operator, it is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the financial network (or communication network) to the loan supporting server 900 on the loan supporting system.

[221] Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the financial institution branch (or business branch or head office). Also, it is preferable that the loan supporting server 900 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the financial network (or communication network) connecting the window terminal and the loan supporting server 900 includes an own bank network that connects a communication channel between the window terminal and the loan supporting server 900.

[222] In the loan supporting system, the application form written by the trade transaction company customer, the window terminal used by the window operator, and the financial network (or communication network) connecting the window terminal and the loan supporting server 900 serve as an information registering interface that is used by the trade transaction company customer to register loan support request information for receiving a loan corresponding to the trade transaction status.

[223] The storage medium, which is provided on the loan supporting system, processes trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information, which are included in the loan support request information provided from the information registering terminal, in an associative manner and stores the processed information. The loan support request information, which includes at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information stored in the storage medium, is used to extract (or generate) the loan support request information corresponding to the trade transaction company customer.

[224] It is preferable that the trade transaction company customer information includes at least one or more of unique information of a trade transaction company customer making a trade transaction contract with a trade transaction opponent company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction company customer because the trade transaction company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction company customer (e.g., an account opening institution and an account number).

[225] It is preferable that the trade transaction opponent company customer information includes at least one or more of unique information of a trade transaction opponent company customer making a trade transaction contract with a trade transaction company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction opponent company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction opponent company customer because the trade transaction opponent c ompany customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction opponent company customer (e.g., an account opening institution and an account number).

[226] The trade transaction status information is information about a process (or step) of the trade transaction company customer performing the trade transaction by a trade transaction contract with the trade transaction opponent company customer (e.g., a contract signing step and a goods shipping step). For example, if the trade transaction company customer has signed the trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information. If the trade transaction company customer has shipped the corresponding trade transaction goods, the trade transaction status information may be replaced with shipment document information according to the trade transaction goods shipment.

[227] According to an embodiment of the present invention, the storage medium may further include loan support specification information that is generated while the loan support of the trade transaction company customer is being processed through the loan supporting server 900.

[228] According to an embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to the trade transaction status of the trade transaction company customer. The trade transaction condition information may include at least one or more a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[229] According to an embodiment of the present invention, it is preferable that the storage medium is provided in a DBMS on a financial system provided on the loan supporting system (or connected with the loan supporting system). Herein, the storage medium may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited.

[230] According to another embodiment of the present invention, the storage medium may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the loan supporting system, to which the present invention is not limited.

[231] The loan supporting server 900, which is provided on the loan supporting system, is a general term for the components of the loan supporting system connected through a financial network (or communication network) to the information registering terminal. The loan supporting server 900 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), the loan supporting server 900 may be a ledger server provided on a financial system connected through a financial network (or communication network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited.

[232] Also, although Fig. 9 illustrates that the loan supporting server 900 includes all of a functional unit for receiving loan support request information of a trade transaction company customer from the information registering terminal, a functional unit for requesting trade transaction status information corresponding to the loan support request information (trade transaction opponent company information) to the trade transaction opponent company customer financial institution, a functional unit for receiving the trade transaction status information corresponding to the loan support request information from the trade transaction opponent company customer financial institution, a functional unit for comparing/verifying the trade transaction status information provided from the trade transaction opponent company customer financial institution and the trade transaction status information included in the loan support request information, a functional unit for extracting loan support conditions corresponding to the loan support request information (trade transaction opponent company information) from a storage medium according to the comparison/verification results, and a functional unit for supporting a loan to the trade transaction company customer according to the extracted loan support conditions, the present invention is not limited thereto. That is, each functional unit of the loan supporting server 900 may be embodied using a separate server (or device).

[233] Referring to Fig. 9, the financial system is a general term for computer systems where the CMS account of the trade transaction company customer is opened (or registered). Basically, the financial system is connected through a financial network (e.g., an own bank network) to at least one or more window terminals provided in the branch (or business branch or head office) of the financial institution, and provides face-to-face financial transaction services for at least one or more financial transaction customers through the window terminals. Also, the financial system is connected through a financial network (e.g., a CD shared network) to at least one or more financial terminals including a Cash Dispenser/ Automatic Teller Machine (CD/ ATM) provided in the branch (or business branch or head office) of the financial institution, or to at least one or more financial terminals provided in at least one or more other financial institutions (or other financial institution branches) associated with the financial institution, or to at least one or more financial terminals provided in public places, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through the financial terminals. Also, the financial system is associated with an Internet banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more client terminals (e.g., notebook computers or personal computers (PCs) having the wired Internet access and browsing function, and portable terminals or notebook computers having the wireless LAN/portable Internet access and browsing function) connected to a network (e.g., a wired Internet, an IEEE 802.1 Ix based wireless LAN, and an IEEE 802.16x based portable Internet) connected through the Internet banking server to a TCP/IP based backbone network. Also, the financial system is associated with a wireless banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., PCS (Personal Communication system) terminals, GSM (Global System for Mobile Communications) terminals, PDA (Personal Digital Assistant) terminals, smart phones, or Telematics having a access and browsing function for the following mobile communication system) connected through the wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a IC chip based wireless banking server, and provides non-face-to-face financial transaction services f or at least one or more financial transaction customers through at least one or more wireless terminals (e.g., wireless terminals mounted with a financial IC chip) connected through the IC chip based wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a telebanking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wired call terminals (e.g., telephones) connected through the telebanking server to a wired voice call network (e.g., a PSTN (Public Switched Telephone Network)), or through at least one or more of wireless call terminals (e.g., PCS terminals, GSM terminals, and/or smart phones) connected to a wireless voice call network (e.g., a CDMA based mobile communication network). Referring to Fig. 9, the financial system is a computer system provided in a financial institution to open at least one or more financial accounts (e.g., CMS accounts) to at least one or more financial transaction customers and to provide at least one or more financial transaction services based on the opened financial accounts. The financial system includes an account system, an information system, and a front-end processing (FEP) system. The account system processes window businesses such as credit, deposit, trust, and foreign exchange that are generated in at least one or more business branches (or windows). The information system processes head office businesses, business branch information provision, and customer information management. The FEP system provides interconnections between the financial system and at least one or more other financial systems (or settlement systems), accesses from at least one or more non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, and TV banking) provided in at least one or more external communication networks to the financial system, and/or various financial transaction interfaces through at least one or more shared networks (e.g., CD shared networks and financial shared networks). Also, the financial system includes a DBMS (Database Management System) that includes an interface module and at least one or more databases. The interface module corresponds to a middleware platform that provides interfaces between components in the financial system. The databases store and manage information (e.g., ledger information, customer information, and management information) that is required to perform the functions of components in the financial system. Also, depending on the intentions of those of ordinary skill in the art, the types of financial institutions provided in the financial system (e.g., a commercial bank, a savings bank, and a trust bank), and the purposes and characteristics of the financial system, the financial system may further include at least one or more of a foreign exchange system module (not shown), an investment finance system module (not shown), and an international system module (not shown), to which the present invention is not limited. Those of ordinary skill in the art will fully know the technical details of the financial system, and thus their detailed description will be omitted for conciseness. According to the present invention, the DBMS provided in the financial system includes a ledger D/B for allowing the financial system to open at least one or more financial accounts to at least one or more financial transaction customers and provide at least one or more financial transaction services based on the opened financial accounts. At least one or more ledger information (e.g., customer ledgers, deposit ledgers, and mortgage ledgers) for at least one or more financial transaction processes, which are to be provided by the financial institution to the financial transaction customers, and at least one or more additional ledger information corresponding to the ledger information (e.g., specifying or supplementing the attribute and function of each ledger) are associatively processed and stored in the ledger D/B in a relationship fashion.

[236] Those of ordinary skill in the art will fully know at least one or more ledger information provided in the ledger D/B depending on the type of each financial institution and the purposes and characteristics of the financial system and at least one or more additional ledger information corresponding to each ledger information, and also will fully know that each ledger information is associatively processed and stored in a relationship fashion or ledger information and at least one or more additional ledger information are associatively processed and stored in a relationship fashion, and thus their detailed description will be omitted for conciseness.

[237] According to an embodiment of the present invention, the loan supporting server 900 includes an interface unit 905 for connecting and managing a communication channel with the information registering terminal through a financial network (or communication network).

[238] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface unit 905 connects a communication with the window terminal based on a protocol stack defined in the financial network (or communication network), and provides a communication interface for transmission/ reception of at least one or more data (or information) by using a communication protocol defined in a financial transaction-related program provided in the window terminal.

[239] Referring to Fig. 9, the loan supporting server 900 includes an interface providing unit 910, an information receiving unit 915, a validity checking unit 920, a status information requesting unit 925, a status information receiving unit 930/915, a comparing/verifying unit 935, an extracting/generating unit 940, and a loan supporting unit 945. After the information registering terminal connects a communication channel with the loan supporting server 900 through the interface unit 905, the interface providing unit 910 generates (or extracts) a user interface for inputting (or selecting) and transmitting loan support request information in cooperation with the interface unit 905, and provides the user interface to the information registering terminal. The information receiving unit 915 receives the loan support request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 905. The validity checking unit 920 checks the validity of the received loan support request information. The status information requesting unit 925 transmits trade transaction opponent company customer information included in the received loan support request information to a trade transaction opponent company customer financial institution to request trade transaction status information corresponding to the trade transaction opponent company customer information. The status information receiving unit 930/915 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution. The comparing/verifying unit 935 compares/verifies the trade transaction status information corresponding to the trade transaction opponent company customer information received from the trade transaction opponent company customer financial institution and the trade transaction status information of the trade transaction company customer included in the loan support request information. The extracting/generating unit 940 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information of the trade transaction company customer from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company customer by reference to the trade transaction condition information stored in the storage medium. The loan supporting unit 945 supports a loan to the trade transaction company customer corresponding to the extracted/generated trade transaction condition information.

[240] After the information registering terminal connects a communication channel with the loan supporting server 900 through the interface unit 905, the interface providing unit 910 generates an user interface for inputting (or selecting) the loan support request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 900 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the financial network (or communication network) to the information registering terminal in cooperation with the interface unit 905.

[241] According to another embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the loan support request information in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 900, the interface providing unit 910 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[242] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the loan support request information including at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information, and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 900.

[243] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface providing unit 910 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 905 to the window terminal.

[244] When the information registering terminal inputs (or selects) the loan support request information including at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information through the user interface and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 900, the information receiving unit 915 receives the transmitted loan support request information in cooperation with the interface unit 905 and provides the received loan support request information to the validity checking unit 920.

[245] The validity checking unit 920 checks whether the loan support request information received from the information registering terminal satisfies the validity for receiving a loan corresponding to the trade transaction status.

[246] According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/ B on a financial system connected with the loan supporting system.

[247] The status information requesting unit 925 transmits trade transaction opponent company customer information included in the loan support request information of the trade transaction company customer received through the information receiving unit 915 to a trade transaction opponent company customer financial institution, to request trade transaction status information corresponding to the trade transaction opponent company customer information. [248] According to an embodiment of the present invention, the trade transaction opponent company customer financial institution receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium.

[249] Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 900, the trade transaction opponent company customer financial institution extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 900.

[250] The status information receiving unit 930/915 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution, and provides the received trade transaction status information corresponding to the trade transaction opponent company customer information to the comparing/verifying unit 935.

[251] Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution through the status information receiving unit 930/915, the comparing/verifying unit 935 compares the received trade transaction status information and the trade transaction status information included in the loan support request information provided by the trade transaction company, verifies whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company, and provides the comparison/verification results to the extracting/generating unit 940. According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the comparing/verifying unit 935 compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the trade transaction opponent company customer financial institution and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information included in the loan support request information provided by the trade transaction company, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[252] When the comparison/verification of the trade transaction contract information (trade transaction status information) included in the loan support request information provided by the trade transaction company is completed by the comparing/verifying unit 935, the extracting/generating unit 940 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium. Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[253] If the trade transaction condition information corresponding to the compared/verified trade transaction status information is extracted by the extracting/generating unit 940 from the storage medium, or if the trade transaction condition information corresponding to the trade transaction status information of the trade transaction company is generated by the extracting/generating unit 940 by reference to the trade transaction condition information stored in the storage medium, the loan supporting unit 945 supports a loan to the trade transaction company customer corresponding to the extracted/generated trade transaction condition information. According to an embodiment of the present invention, it is preferable that the loan supporting unit 945 detects a loan money amount corresponding to the extracted/generated trade transaction condition information and deposits the detected loan money amount in the trade transaction company customer account.

[254] Fig. 10 is a diagram illustrating a loan supporting process based on trade transaction status information according to another embodiment of the present invention. Specifically, Fig. 10 illustrates an embodiment in which, after a trade transaction opponent company customer registers trade transaction status information (e.g., trade transaction contract information) in a financial institution of the trade transaction opponent company customer through the information registering system of Fig. 3, when a trade transaction company customer making a trade transaction contract with the trade transaction opponent company customer provides loan support request information including trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information (e.g., trade transaction contract information) to the loan supporting system of Fig. 5 through an information registering interface, the loan supporting system requests trade transaction status information corresponding to the trade transaction opponent company customer information to a trade transaction opponent company customer financial institution provided in the relay institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the trade transaction opponent company customer financial institution, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium to support a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting process for the trade transaction company customer by referring to or modifying Fig. 10. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 10.

[255] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 9 will be referred to as a terminal, the loan supporting server 900 illustrated in Fig. 9 will be referred to as a server, and the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information transmitted from the window terminal to the loan supporting server 900 will be referred to as loan support request information.

[256] Referring to Fig. 10, the window terminal illustrated in Fig. 9 accesses the server through a financial network (or communication network) to connect a communication channel for registration of the loan support request information, and requests registration of the loan support request information for the loan support (1000). The server generates (or extracts) an information registering interface for registration of the loan support request information (1005), and transmits the generated (or extracted) in- formation registering interface through the communication channel to the terminal (1010). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) loan support request information including at least one or more of the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information.

[257] Thereafter, the terminal inputs (or selects) loan support request information including at least one or more of trade transaction company customer information, trade transaction opponent company customer information, and trade transaction status information by means of the information registering interface (1015).

[258] If the terminal inputs (or selects) the loan support request information including the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information by means of the information registering interface (1020), it transmits the input (or selected) loan support request information including the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information through the financial network (or communication network) to the server (1025).

[259] Thereafter, the server receives the trade transaction company customer information, the trade transaction opponent company customer information, and the trade transaction status information through the financial network (or communication network), and reads the received information to check the validity of the loan support request information (1030). According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/B on a financial system connected with the loan supporting system.

[260] If the validity of the loan support request information is not authenticated (1035), the server generates and transmits information-registration error information to the terminal (1040), without performing an information registration process corresponding to the loan support request information.

[261] On the other hand, if the validity of the loan support request information is authenticated (1035), the server transmits trade transaction opponent company customer information included in the received loan support request information of the trade transaction company customer to a trade transaction opponent company customer financial institution, to request trade transaction status information corresponding to the trade transaction opponent company customer information (1045).

[262] According to an embodiment of the present invention, the trade transaction opponent company customer financial institution receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium. Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 900, the trade transaction opponent company customer financial institution extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 900.

[263] Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution (1050), the server compares the received trade transaction status information and the trade transaction status information included in the loan support request information provided by the trade transaction company to verify whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company (1055). According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the server compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the trade transaction opponent company customer financial institution and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information included in the loan support request information provided by the trade transaction company, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[264] When the comparison/verification of the trade transaction contract information (trade transaction status information) included in the loan support request information provided by the trade transaction company is completed (1060), the server extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium (1065). Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[265] Thereafter, if the trade transaction condition information corresponding to the compared/verified trade transaction status information is extracted from the storage medium, or if the trade transaction condition information corresponding to the trade transaction status information of the trade transaction company is generated by reference to the trade transaction condition information stored in the storage medium, the server supports a loan to the trade transaction company customer corresponding to the extracted/generated trade transaction condition information (1070). According to an embodiment of the present invention, it is preferable that server detects a loan money amount corresponding to the extracted/generated trade transaction condition information and deposits the detected loan money amount in the trade transaction company customer account.

[266] Fig. 11 is a diagram illustrating a loan supporting system for a loan support based on trade transaction status information according to still another embodiment of the present invention. Specifically, if a trade transaction opponent company customer registers trade transaction status information (e.g., trade transaction contract information) in a financial institution of the trade transaction opponent company customer through the information registering system of Fig. 3, if the trade transaction company customer is a CMS member of a financial institution provided with a loan supporting system, and if trade transaction status information is prestored in a storage medium on the loan supporting system, the loan supporting system requests trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to the trade transaction opponent company customer financial institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the trade transaction opponent company customer financial institution, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium and notifies the loan support condition information to the trade transaction company customer. Thereafter, when the trade transaction company customer provides loan support request information including at least one of a loan money amount, a loan interest, and a loan term to the loan supporting system through an information registering interface, the loan supporting system supports a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting system for support of a loan to the trade transaction company customer by referring to or modifying Fig. 11. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 11.

[267] Hereinafter, at least one means or functional unit, which is used to request the trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to a trade transaction opponent company customer financial institution on the loan supporting system of Fig. 11, to check, if the trade transaction status information corresponding to the trade transaction opponent company customer information is received from the trade transaction opponent company customer financial institution, whether the received trade transaction status information of the trade transaction opponent company customer is identical to the trade transaction status information provided by the trade transaction company customer, to detect, if identical, loan support conditions corresponding to the trade transaction status from a storage medium, and to notify the detected load support conditions to the trade transaction company customer, will be referred to as a loan supporting server 1100.

[268] Referring to Fig. 11 according to an embodiment of the present invention, the loan supporting system based on the trade transaction status information includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected through a financial network (or communication network) to the loan supporting server 1100 provided on the loan supporting system.

[269] According to an embodiment of the present invention, the loan supporting server

1100 has a communication channel connected through a communication network to an information registering server on the information registering system of Fig. 3, and requests/receives the trade transaction status information corresponding to the trade transaction opponent company customer information corresponding to the loan support request information of the trade transaction company customer from the information registering server through the communication network.

[270] The communication network connecting the loan supporting server 1100 and the trade transaction opponent company customer financial institution may be a TCP/IP (Transmission Control Protocol/Internet Protocol) based communication network or may include a SWIFT (Society for Worldwide Interbank Financial Telecommunication). Herein, the SWIFT is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[271] According to an embodiment of the present invention, the loan supporting server 1100 requests trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to a trade transaction opponent company customer financial institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the trade transaction opponent company customer financial institution, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium and notifies the loan support condition information to a communication means of the trade transaction company customer.

[272] In order to request a loan support corresponding to the loan support condition information, the trade transaction company customer provided with the loan support condition information from the loan supporting server 1100 visits the financial institution branch (or business branch or head office), writes an application form for loan support (e.g., a document with a form for writing in at least one information field for loan support request) through a window (or a window operator) provided in the financial institution branch, and presents the written application form to the window operator. It is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the financial network (or communication network) to the loan supporting server 1100 on the loan supporting system. Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the financial institution branch (or business branch or head office). Also, it is preferable that the loan supporting server 1100 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the financial network (or communication network) connecting the window terminal and the loan supporting server 1100 includes an own bank network that connects a communication channel between the window terminal and the loan supporting server 1100.

[273] In the loan supporting system, the application form written by the trade transaction company customer, the window terminal used by the window operator, and the financial network (or communication network) connecting the window terminal and the loan supporting server 1100 serve as an information registering interface that is used by the trade transaction company customer to register loan support request information for receiving a loan corresponding to the trade transaction status.

[274] The storage medium provided on the loan supporting system processes the loan money amount, the loan interest, and the loan term, which are included in the loan support request information provided from the information registering terminal, in an associative manner and stores the processed information. The loan support request information, including at least one or more of the loan money amount, the loan interest, and the loan term stored in the storage medium, is used to provide a loan support corresponding to the trade transaction company customer. Also, it is preferable that the storage medium has CMS member information for members of at least one or more trade transaction company customers. Also, it is preferable that the storage medium has trade transaction company customer information, trade transaction opponent company customer information of the trade transaction company customer, and trade transaction status information of the trade transaction company customer managed as the CMS member.

[275] Herein, it is preferable that the trade transaction company customer information includes at least one or more of unique information of a trade transaction company customer making a trade transaction contract with a trade transaction opponent company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction company customer because the trade transaction company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction company customer (e.g., an account opening institution and an account number).

[276] It is preferable that the trade transaction opponent company customer information includes at least one or more of unique information of a trade transaction opponent company customer making a trade transaction contract with a trade transaction company customer (e.g., a company name, a business registry number (or a unique number (or a unique code) corresponding to the business registry number), an Inc. registration number (or a unique number (or a unique code) corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the trade transaction opponent company customer (e.g., member ID information provided in a storage medium connected with the information registering system corresponding to the trade transaction opponent company customer because the trade transaction opponent company customer joins as a member of the trade transaction status information registering institution), and account information corresponding to a financial account opened in the name of the trade transaction opponent company customer (e.g., an account opening institution and an account number).

[277] The trade transaction status information is information about a process (or step) of the trade transaction company customer performing the trade transaction by a trade transaction contract with the trade transaction opponent company customer (e.g., a contract signing step and a goods shipping step). For example, if the trade transaction company customer has signed the trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information. If the trade transaction company customer has shipped the corresponding trade transaction goods, the trade transaction status information may be replaced with shipment document information according to the trade transaction goods shipment.

[278] According to an embodiment of the present invention, the storage medium may further include loan support specification information that is generated while the loan support of the trade transaction company customer is being processed through the loan supporting server 1100.

[279] According to an embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to the trade transaction status of the trade transaction company customer. The trade transaction condition information may include at least one or more a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[280] According to an embodiment of the present invention, it is preferable that the storage medium is provided in a DBMS on a financial system provided on the loan supporting system (or connected with the loan supporting system). Herein, the storage medium may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited.

[281] According to another embodiment of the present invention, the storage medium may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the loan supporting system, to which the present invention is not limited.

[282] The loan supporting server 1100, which is provided on the loan supporting system, is a general term for the components of the loan supporting system connected through a financial network (or communication network) to the information registering terminal. The loan supporting server 1100 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), the loan supporting server 1100 may be a ledger server provided on a financial system connected through a financial network (or communication network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited.

[283] Also, although Fig. 11 illustrates that the loan supporting server 1100 includes all of a functional unit for requesting trade transaction status information corresponding to the loan support request information (trade transaction opponent company information) to the trade transaction opponent company customer financial institution, a functional unit for receiving the trade transaction status information corresponding to the loan support request information from the trade transaction opponent company customer financial institution, a functional unit for comparing/verifying the trade transaction status information provided from the trade transaction opponent company customer financial institution and the trade transaction status information included in the loan support request information, a functional unit for extracting loan support conditions corresponding to the loan support request information (trade transaction opponent company information) from a storage medium according to the comparison/verification results, a functional unit for providing the extracted loan support condition information to a communication means of the trade transaction company customer, a functional unit for receiving loan support request information of the trade transaction company customer from the information registering terminal, and a functional unit for supporting a loan to the trade transaction company customer according to the received loan support request information, the present invention is not limited thereto. That is, each functional unit of the loan supporting server 1100 may be embodied using a separate server (or device).

[284] Referring to Fig. 11, the financial system is a general term for computer systems where the CMS account of the trade transaction company customer is opened (or registered). Basically, the financial system is connected through a financial network (e.g., an own bank network) to at least one or more window terminals provided in the branch (or business branch or head office) of the financial institution, and provides face-to-face financial transaction services for at least one or more financial transaction customers through the window terminals. Also, the financial system is connected through a financial network (e.g., a CD shared network) to at least one or more financial terminals including a Cash Dispenser/ Automatic Teller Machine (CD/ ATM) provided in the branch (or business branch or head office) of the financial institution, or to at least one or more financial terminals provided in at least one or more other financial institutions (or other financial institution branches) associated with the financial institution, or to at least one or more financial terminals provided in public places, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through the financial terminals. Also, the financial system is associated with an Internet banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more client terminals (e.g., notebook computers or personal computers (PCs) having the wired Internet access and browsing function, and portable terminals or notebook computers having the wireless LAN/portable Internet access and browsing function) connected to a network (e.g., a wired Internet, an IEEE 802.1 Ix based wireless LAN, and an IEEE 802.16x based portable Internet) connected through the Internet banking server to a TCP/IP based backbone network. Also, the financial system is associated with a wireless banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., PCS (Personal Communication system) terminals, GSM (Global System for Mobile Communications) terminals, PDA (Personal Digital Assistant) terminals, smart phones, or Telematics having a access and browsing function for the following mobile communication system) connected through the wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a IC chip based wireless banking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., wireless terminals mounted with a financial IC chip) connected through the IC chip based wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a telebanking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wired call terminals (e.g., telephones) connected through the telebanking server to a wired voice call network (e.g., a PSTN (Public Switched Telephone Network)), or through at least one or more of wireless call terminals (e.g., PCS terminals, GSM terminals, and/or smart phones) connected to a wireless voice call network (e.g., a CDMA based mobile communication network). Referring to Fig. 11, the financial system is a computer system provided in a financial institution to open at least one or more financial accounts (e.g., CMS accounts) to at least one or more financial transaction customers and to provide at least one or more financial transaction services based on the opened financial accounts. The financial system includes an account system, an information system, and a front-end processing (FEP) system. The account system processes window businesses such as credit, deposit, trust, and foreign exchange that are generated in at least one or more business branches (or windows). The information system processes head office businesses, business branch information provision, and customer information management. The FEP system provides interconnections between the financial system and at least one or more other financial systems (or settlement systems), accesses from at least one or more non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, and TV banking) provided in at least one or more external communication networks to the financial system, and/or various financial transaction interfaces through at least one or more shared networks (e.g., CD shared networks and financial shared networks). Also, the financial system includes a DBMS (Database Management System) that includes an interface module and at least one or more databases. The interface module corresponds to a middleware platform that provides interfaces between components in the financial system. The databases store and manage information (e.g., ledger information, customer information, and management information) that is required to perform the functions of components in the financial system. Also, depending on the intentions of those of ordinary skill in the art, the types of financial institutions provided in the financial system (e.g., a commercial bank, a savings bank, and a trust bank), and the purposes and characteristics of the financial system, the financial system may further include at least one or more of a foreign exchange system module (not shown), an investment finance system module (not shown), and an international system module (not shown), to which the present invention is not limited. Those of ordinary skill in the art will fully know the technical details of the financial system, and thus their detailed description will be omitted for conciseness.

[286] According to the present invention, the DBMS provided in the financial system includes a ledger D/B for allowing the financial system to open at least one or more financial accounts to at least one or more financial transaction customers and provide at least one or more financial transaction services based on the opened financial accounts. At least one or more ledger information (e.g., customer ledgers, deposit ledgers, and mortgage ledgers) for at least one or more financial transaction processes, which are to be provided by the financial institution to the financial transaction customers, and at least one or more additional ledger information corresponding to the ledger information (e.g., specifying or supplementing the attribute and function of each ledger) are associatively processed and stored in the ledger D/B in a relationship fashion.

[287] Those of ordinary skill in the art will fully know at least one or more ledger information provided in the ledger D/B depending on the type of each financial institution and the purposes and characteristics of the financial system and at least one or more additional ledger information corresponding to each ledger information, and also will fully know that each ledger information is associatively processed and stored in a relationship fashion or ledger information and at least one or more additional ledger information are associatively processed and stored in a relationship fashion, and thus their detailed description will be omitted for conciseness.

[288] According to an embodiment of the present invention, the loan supporting server

1100 includes a status information requesting unit 1125, a status information receiving unit 1115/1130, a comparing/verifying unit 1135, an extracting/generating unit 1140, and an information transmitting unit 1155. The status information requesting unit 1125 transmits trade transaction opponent company customer information corresponding to the trade transaction company customer stored in the storage medium to the trade transaction opponent company customer financial institution to request trade transaction status information corresponding to the trade transaction opponent company customer information. The status information receiving unit 1115/1130 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution. The comparing/verifying unit 1135 compares/verifies the trade transaction status information corresponding to the trade transaction opponent company customer information received from the trade transaction opponent company customer financial institution and the trade transaction status information of the trade transaction company customer stored in the storage medium. The extracting/generating unit 1140 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information of the trade transaction company customer from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company customer by reference to the trade transaction condition information stored in the storage medium. The information transmitting unit 1155 transmits the extracted/generated trade transaction condition information to the trade transaction company customer communication means.

[289] The status information requesting unit 1125 transmits trade transaction opponent company customer information included in the loan support request information of the trade transaction company customer stored in the storage medium to a trade transaction opponent company customer financial institution, to request trade transaction status information corresponding to the trade transaction opponent company customer information.

[290] According to an embodiment of the present invention, the trade transaction opponent company customer financial institution receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium. Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 1100, the trade transaction opponent company customer financial institution extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 1100.

[291] The status information receiving unit 1115/1130 receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution, and provides the received trade transaction status information corresponding to the trade transaction opponent company customer information to the comparing/verifying unit 1135.

[292] Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution through the status information receiving unit 1115/1130, the comparing/verifying unit 1135 compares the received trade transaction status information and the trade transaction status information of the trade transaction company customer stored in the storage medium, verifies whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company, and provides the comparison/verification results to the extracting/generating unit 1140.

[293] According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the comparing/verifying unit 1135 compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the trade transaction opponent company customer financial institution and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information of the trade transaction company stored in the storage medium, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[294] When the comparison/verification of the trade transaction contract information (trade transaction status information) included in the loan support request information provided by the trade transaction company is completed by the comparing/verifying unit 1135, the extracting/generating unit 1140 extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium. Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[295] The information transmitting unit 1155 transmits the extracted/generated trade transaction condition information to the trade transaction company customer communication means (e.g., Electronic mail, Text message, Wired/wireless phone, Fax, Home page, Blog, Mini home page, and Messenger).

[296] According to an embodiment of the present invention, the loan supporting server 110 0 includes an interface unit 1105 for connecting and managing a communication channel with the information registering terminal through a financial network (or communication network).

[297] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface unit 1105 connects a communication with the window terminal based on a protocol stack defined in the financial network (or communication network), and provides a communication interface for transmission/ reception of at least one or more data (or information) by using a communication protocol defined in a financial transaction-related program provided in the window terminal.

[298] Referring to Fig. 11, the loan supporting server 1100 includes an interface providing unit 1110, an information receiving unit 1115, a validity checking unit 1120, and a loan supporting unit 1145. After the information registering terminal connects a communication channel with the loan supporting server 1100 through the interface unit 1105, the interface providing unit 1110 generates (or extracts) a user interface for inputting (or selecting) and transmitting loan support request information in cooperation with the interface unit 1105, and provides the user interface to the information registering terminal. The information receiving unit 1115 receives the loan support request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 1105. The validity checking unit 1120 checks the validity of the received loan support request information. The loan supporting unit 1145 supports a loan to the trade transaction company customer corresponding to the valid loan support request information.

[299] After the information registering terminal connects a communication channel with the loan supporting server 1100 through the interface unit 1105, the interface providing unit 1110 generates an user interface for inputting (or selecting) the loan support request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 1100 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the financial network (or communication network) to the information registering terminal in cooperation with the interface unit 1105.

[300] According to another embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the loan support request information in the information registering terminal and transmitting the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 1100, the interface providing unit 1110 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[301] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the loan support request information including at least one or more of the loan money amount, the loan interest, and the loan term, and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 1100.

[302] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface providing unit 1110 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 1105 to the window terminal.

[303] When the information registering terminal inputs (or selects) the loan support request information including at least one or more of the loan money amount, the loan interest, and the loan term through the user interface and transmits the input (or selected) loan support request information through the financial network (or communication network) to the loan supporting server 1100, the information receiving unit 1115 receives the transmitted loan support request information in cooperation with the interface unit 1105 and provides the received loan support request information to the validity checking unit 1120.

[304] The validity checking unit 1120 checks whether the loan support request information received from the information registering terminal satisfies the validity for receiving a loan corresponding to the trade transaction status.

[305] According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/ B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the loan money amount, the loan rate, and the loan term included in the loan support request information match with the loan money amount, the loan rate, and the loan term included in the loan support condition information of the trade transaction company customer stored in the storage medium.

[306] The loan supporting unit 1145 supports a loan to the trade transaction company customer by reference to the valid loan support request information. According to an embodiment of the present invention, it is preferable that the loan supporting unit 1145 detects a loan money amount corresponding to the loan support request information and deposits the detected loan money amount in the trade transaction company customer account.

[307] Fig. 12 is a diagram illustrating a loan supporting process based on trade transaction status information according to still another embodiment of the present invention. Specifically, if a trade transaction company customer and a trade transaction opponent company customer register trade transaction status information (e.g., trade transaction contract information) in a financial institution of the trade transaction opponent company customer through the information registering system of Fig. 1 or 3, if the trade transaction company customer is a CMS member of a financial institution provided with a loan supporting system, and if trade transaction status information is prestored in a storage medium on the loan supporting system, the loan supporting system requests trade transaction status information of the trade transaction opponent company customer corresponding to the trade transaction company customer to the trade transaction opponent company customer financial institution. When the trade transaction status information corresponding to the trade transaction opponent company customer information is provided from the trade transaction opponent company customer financial institution, the loan supporting system compares the trade transaction status information corresponding to the trade transaction opponent company customer information with the trade transaction status information provided by the trade transaction company customer. If the trade transaction status information corresponding to the trade transaction opponent company customer information is identical to the trade transaction status information provided by the trade transaction company customer, the loan supporting system detects loan support conditions corresponding to the trade transaction status from a storage medium and notifies the loan support condition information to the trade transaction company customer. Thereafter, when the trade transaction company customer provides loan support request information including at least one of a loan money amount, a loan interest, and a loan term to the loan supporting system through an information registering interface, the loan supporting system supports a loan to the trade transaction company customer. Those of ordinary skill in the art will readily derive various embodiments of the loan supporting process for the trade transaction company customer by referring to or modifying Fig. 12. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 12.

[308] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 11 will be referred to as a terminal, the loan supporting server 1100 illustrated in Fig.11 will be referred to as a server, and the loan money amount, the loan interest, and the loan term transmitted from the window terminal to the loan supporting server 1100 will be referred to as loan support request information.

[309] Referring to Fig. 12, the server transmits trade transaction opponent company customer information included in the loan support request information of the trade transaction company customer stored in the storage medium to a trade transaction opponent company customer financial institution, to request trade transaction status information corresponding to the trade transaction opponent company customer in- formation (1200). According to an embodiment of the present invention, the trade transaction opponent company customer financial institution receives the trade transaction status information from the trade transaction company customer and the trade transaction opponent company customer, and stores/manages the received information in a storage medium.

[310] Upon receiving a request for the trade transaction status information corresponding to the trade transaction opponent company customer information from the loan supporting server 1100, the trade transaction opponent company customer financial institution extracts (or detects) the trade transaction status information corresponding to the trade transaction opponent company customer information stored in a storage medium through the information registering system of Fig. 1 or 3, and transmits the extracted (or detected) trade transaction status information corresponding to the trade transaction opponent company customer information to the loan supporting server 1100.

[311] The server receives the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution (1205). Upon receiving the trade transaction status information corresponding to the trade transaction opponent company customer information from the trade transaction opponent company customer financial institution, the server compares the received trade transaction status information with the trade transaction status information of the trade transaction company customer stored in the storage medium to verify whether the received trade transaction status information is identical to the trade transaction status information of the trade transaction company customer (1210). According to an embodiment of the present invention, if the trade transaction status information is trade transaction contract information illustrated in Fig. 3, the server compares a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information received from the trade transaction opponent company customer financial institution and a trade transaction company customer name, a trade transaction company customer address, a trade transaction company customer contact number, a trade transaction company customer transaction band, a trade transaction company customer transaction account, a trade transaction target goods specification, a trade transaction money amount, a trade transaction currency, and a trade transaction schedule included in the trade transaction contract information of the trade transaction company stored in the storage medium, and determines that the trade transaction status information is not verified, if there is any inconsistency in the trade transaction contract information.

[312] When the comparison/verification of the trade transaction contract information (trade transaction status information) of the trade transaction company stored in the storage medium is completed (1215), the server extracts trade transaction condition information corresponding to the compared/verified trade transaction status information from the storage medium, or generates trade transaction condition information corresponding to the trade transaction status information of the trade transaction company by reference to the trade transaction condition information stored in the storage medium. Herein, the trade transaction condition information may include at least one or more of a loan term/loanable money amount for each trade transaction money amount, a loan term/loanable money amount for each trade transaction term, a loan term/loanable money amount for each trade transaction step, a loan term/loanable money amount for each trade transaction company record (or transaction specification), and a loan term/loanable money amount for each trade transaction opponent company record (or transaction specification).

[313] Thereafter, the server transmits the extracted/generated trade transaction condition information to the trade transaction company customer communication means (e.g., Electronic mail, Text message, Wired/wireless phone, Fax, Home page, Blog, Mini home page, and Messenger) (1220).

[314] Thereafter, the window terminal illustrated in Fig. 11 accesses the server through a financial network (or communication network) to connect a communication channel for registration of the loan support request information, and requests registration of the loan support request information for the loan support based on the trade transaction condition information (1225). The server generates (or extracts) an information registering interface for registration of the loan support request information (1230), and transmits the generated (or extracted) information registering interface through the communication channel to the terminal (1235). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) loan support request information incl uding at least one or more of the loan money amount, the loan interest, and the loan term.

[315] Thereafter, the terminal inputs (or selects) loan support request information including at least one or more of a loan money amount, a loan interest, and a loan term by means of the information registering interface (1240).

[316] If the terminal inputs (or selects) the loan support request information including the loan money amount, the loan interest, and the loan term by means of the information registering interface (1245), it transmits the input (or selected) loan support request information including the loan money amount, the loan interest, and the loan term through the financial network (or communication network) to the server (1250).

[317] Thereafter, the server receives the loan money amount, the loan interest, and the loan term through the financial network (or communication network), and reads the received information to check the validity of the loan support request information (1255). According to an embodiment of the present invention, it is preferable that checking the validity of the loan support request information includes checking whether at least one or more ledger information matching with the loan support request information is registered in a ledger D/B on a financial system connected with the loan supporting system. For example, checking the validity of the loan support request information may include checking whether the trade transaction company customer information included in the loan support request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the trade transaction company customer account information included in the loan support request information matches with an account ledger stored in a ledger D/B on a financial system connected with the loan supporting system. Also, checking the validity of the loan support request information may include checking whether the loan money amount, the loan rate, and the loan term included in the loan support request information match with the loan money amount, the loan rate, and the loan term included in the loan support condition information of the trade transaction company customer stored in the storage medium.

[318] If the validity of the loan support request information is not authenticated (1260), the server generates and transmits information-registration error information to the terminal (1265), without performing an information registration process corresponding to the loan support request information.

[319] On the other hand, if the validity of the loan support request information is authenticated (1260), the server supports a loan to the trade transaction company customer corresponding to the valid loan support request information (1270). According to an embodiment of the present invention, it is preferable that the server detects a loan money amount corresponding to the loan support request information and deposits the detected loan money amount in the trade transaction company customer account.

Claims

[1] A method for supporting business loan in each trade transaction stage, comprising the steps of: comparing/verifying, by a loan supporting server, stage-by-stage trade transaction status information of a loan support target company and stage- by-stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; extracting/generating, by the loan supporting server, information about stage- by-stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage- by-stage trade transaction status information of the loan support target company; and providing, by the loan supporting server, a stage -by-stage loan support to the loan support target company by using the extracted/generated stage-by-stage loan support conditions.

[2] A method for supporting business loan in each trade transaction stage, comprising the steps of: comparing/verifying, by a loan supporting server, stage-by-stage trade transaction status information of a loan support target company and stage- by-stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; extracting/generating, by the loan supporting server, information about stage- by-stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage- by-stage trade transaction status information of the loan support target company; and transmitting, by the loan supporting server, the extracted/generated stage- by-stage loan support condition information to the loan support target company.

[3] The method of claim 1 or 2, wherein the step of comparing/verifying the trade transaction status information comprises the steps of: receiving, by the loan supporting server, the stage-by-stage trade transaction status information of the trade transaction opponent company through a SWIFT message and reading the received SWIFT message to extract the stage -by-stage trade transaction status information of the trade transaction opponent company; and detecting, by the loan supporting server, the stage-by-stage trade transaction status information of the trade transaction opponent company in connection with a relay server prestoring/managing the stage-by-stage trade transaction status information of the trade transaction opponent company.

[4] A computer-readable recording medium storing a program for performing the method of claim 1 or 2.

[5] A system for supporting business loan in each trade transaction stage, comprising: a trade transaction status information comparing/verifying means for comparing/ verifying stage-by-stage trade transaction status information of a loan support target company and stage-by- stage trade transaction status information of a trade transaction opponent company of the loan support target company in a matching manner; a loan support condition extracting/generating means for extracting/generating information about stage-by-stage loan support conditions including a loan money amount and a loan term of the loan support target company by using the compared/verified stage-by-stage trade transaction status information of the loan support target company; and a loan support processing means for transmitting the extracted/generated stage- by-stage loan support condition information to the loan support target company or providing a stage-by-stage loan support to the loan support target company by using the extracted/generated stage-by-stage loan support conditions.