WO2013115424A1 - Procédé de mise en place d'accord de prêt entre un créancier et un débiteur et système de courtage selon le procédé - Google Patents

Procédé de mise en place d'accord de prêt entre un créancier et un débiteur et système de courtage selon le procédé Download PDF

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Publication number
WO2013115424A1
WO2013115424A1 PCT/KR2012/000841 KR2012000841W WO2013115424A1 WO 2013115424 A1 WO2013115424 A1 WO 2013115424A1 KR 2012000841 W KR2012000841 W KR 2012000841W WO 2013115424 A1 WO2013115424 A1 WO 2013115424A1
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debtor
creditor
credit
amount
payment
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PCT/KR2012/000841
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English (en)
Korean (ko)
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이앙
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(주)창인트레이드
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Publication of WO2013115424A1 publication Critical patent/WO2013115424A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a technical means for brokering a contract between a creditor and a debtor, and in particular, a number of creditors and targets who want to provide an object and receive benefits according to the conditions of mutual agreement
  • the present invention relates to an intermediary method for mediating both contracts in the context of presenting a contract, to induce the implementation of the contract contents, a recording medium recording the method, and an intermediary system according to the method.
  • the creditors have devised various ways to recover the principal and interest from the debtor.
  • a creditor receives goods or various property rights from the debtor or a third party (the property guarantor) as collateral, and there is no repayment of the debt, the creditor, securities, bonds, We try to minimize risks by establishing pledges of other property rights or by issuing guarantee insurance from a guarantee insurance company.
  • This conventional debt collection method is time-consuming and expensive, and the collection method is limited to the loan relationship, it does not show the force to the debtor. Therefore, there is a need for a recovery agency service that can recover the amount of bonds more securely and easily in bond debt transactions between individuals.
  • the technical problem to be solved by the embodiments of the present invention is that the debtor of the debt obligation contract has sufficient credit and repayment ability through a transaction with a credit financial institution such as a credit card company in financing the business Nevertheless, it is intended to alleviate the inconvenience of financing only through complicated off-line procedures such as guarantee insurance or collateral.
  • the broker server receives the contract terms from the creditor for providing a loan which is the object of the bond to the credit institution step; Receiving, by the intermediary server, contract terms from a debtor of the credit financial institution; Mapping, by the mediation server, a creditor and a debtor whose conditions match based on a contract condition input from the creditor, a contract condition input from the debtor, and a credit inquiry result; Requesting, by the intermediary server, to provide the creditor with the loan provided from the injured creditor by providing the account information or credit card information input from the injured debtor to the debtor in accordance with the terms of the contract; Calculating, by the intermediary server, the benefit of the injured creditor based on the loan provision history input from the credit financial institution after the loan provision of the credit financial institution is completed according to the request; And requesting payment by the intermediary server to the credited financial institution by providing
  • the credit financial institution is a credit card company
  • the debtor is a merchant of the credit financial institution
  • the price to be paid to the injured debtor is the credit of the casualty debtor. It is determined by subtracting the bond amount from card sales.
  • the credit institution is a credit card company, when the creditor is a customer of the credit institution monthly credit card charges occur, the credit institution, the credit card of the debtor At the settlement date, the debtor is billed for the sum of the charges for using the credit card and the amount of the bond based on the calculated benefit.
  • the credit financial institution is a mobile communication company, when the debtor is a customer of the mobile communication service monthly charges for the use of mobile communication, the credit financial institution, the debtor's mobile communication On the date of the payment of the fee, the debtor is billed for the sum of the charges for the use of the mobile communication and the amount of the bond based on the calculated benefit.
  • payment to the injured creditor is determined according to the contract terms entered by the creditor regardless of whether the injured debtor is provided with benefits. do.
  • the mediation server maps and stores at least one or more credit financial institutions dealing with one debtor
  • requesting payment to the injured debtor includes: Calculating, by the intermediary server, a bond amount for each credit institution based on the payment limit of the at least one credit institution based on the calculated payment; And requesting the payment to the injured creditor and the injured debtor by providing the calculated credit amount by credit institution to each credit institution by the mediation server.
  • the benefit calculated for the one debtor is less than or equal to the total sum of the payment limits of the credit financial institutions that deal with the one debtor
  • the calculated amount of bonds for each credit financial institution is It is determined to be less than or equal to the payment limit of each credit institution.
  • the mediation server may convert the interest rate among the contract terms input from the debtor to the number of creditors. It is set to decrease in proportion, and only the creditor corresponding to the case where the set interest rate is within a threshold set by the creditor is mapped to the debtor.
  • the loan contract intermediation method may further include, after the payment of the credit institution according to the request is completed, the broker server requests the credit institution to pay a predetermined fee.
  • the following provides a computer-readable recording medium that records a program for executing on the computer the method of brokering the contract of the creditor and the debtor described above.
  • an intermediary server for brokering a loan agreement between a creditor and a debtor receives a contract condition from a creditor providing a loan, which is the object of a bond, to a credit institution, A communication unit for receiving contract terms from a debtor of a credit financial institution; A mapping unit which maps and stores the creditor and the debtor whose conditions match based on the contract condition input from the creditor, the contract condition input from the debtor, and a credit inquiry result; And a processing unit for controlling the execution of the contract through the credit financial institution according to the contract condition of the injured creditor and the injured debtor, wherein the processing unit is configured to read the account information or credit card information input from the injured debtor; Requesting the creditor to provide the loan provided by the injured creditor through the communication unit to the debtor in accordance with the terms of the contract, and after the provision of the loan of the credit institution according to the request is completed, the credit financing Calculate the benefit of the injured creditor based
  • the casualty unit maps and stores at least one or more credit financial institutions dealing with one debtor
  • the processing unit is based on the calculated benefit payment and the one or more credit financial institutions
  • the amount of bonds for each credit financial institution is calculated in consideration of the payment limit of the institution, and the credit amount for each credit financial institution is provided to each credit financial institution through the communication unit. Request payment.
  • the processing unit determines the benefit such that the benefit calculated for the one debtor is less than or equal to the total sum of the payment limits of the credit financial institution that deals with the one debtor,
  • the bond amount is determined so that the calculated bond amount for each credit institution is less than or equal to the payment limit of each credit institution.
  • the payment unit may request a predetermined fee payment from the credit financial institution through the communication unit after payment of the credit financial institution is completed according to the request.
  • the casualty unit further includes creditor recruitment means for recruiting a plurality of investors to create a creditor group, wherein the creditor recruitment means is risk for each creditor based on the investment history of creditors.
  • a creditor group including at least one of a management index or a rate of return, providing the calculated creditor information and debtor information selected by the creditor to the investor, and selecting the creditor to indicate whether the investor participates in the investment; It generates and sets the target amount of the bond by summing the investment amount for each generated group of creditors.
  • the creditor recruiting means sets the creditor's success fee, the debtor's minimum guaranteed return rate and the risk compensation rate according to the creditor's input
  • the processing unit is configured to determine the investment amount in the creditor group. Calculating the proceeds of the creditor and the investor according to the ratio and the set success reward, and if the benefit provided by the debtor is less than the set minimum guaranteed return, the set risk compensation to the amount of the shortage of profit according to the minimum guaranteed return. A final value of the investor is determined by calculating a multiplied ratio and adding the calculated investor's proceeds.
  • the casualty unit further includes an authentication means for authenticating whether the debtor or the creditor's request occurs, the authentication means, the debtor or the creditor's Receives and saves a picture in advance, receives the face image taken through the camera provided in the terminal of the debtor or the creditor through the communication unit, and checks the identity by comparing the received face image with the stored picture .
  • Embodiments of the present invention by using an intermediary server to connect the appropriate contracting parties in accordance with the contract conditions of the debtor and creditors, and automatically control the provision and payment of the bonds according to the contract relationship through a reliable institutional credit financial institution In this way, it is possible to secure the stability of the investment by providing an appropriate investment destination through the brokerage server from the creditor's point of view and by utilizing the recovery system of the credit institution of the existing institutional system regardless of whether the debtor has stopped providing benefits.
  • embodiments of the present invention can demonstrate the creditor's credit and repayment ability through a continuous transaction history with a credit financial institution such as a credit card company, thereby providing an intermediary server without providing any guarantee insurance or collateral.
  • the creditor linkages provided by the Bank provide a consistent and stable way to raise funds online.
  • 1 is a view for explaining the interaction of each subject and the movement of funds in the environment in which embodiments of the present invention are implemented.
  • FIG. 2 is a flowchart illustrating a method for brokering a contract between a creditor and a debtor according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a process of recruiting creditors and debtors using a contract intermediation method according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a process of authenticating a creditor and a debtor using a contract brokerage method according to an embodiment of the present invention.
  • FIG. 5 is a diagram illustrating a process of mapping both of them according to a contract condition input by a creditor and a debtor using a contract intermediation method according to an embodiment of the present invention.
  • FIG. 6 is a diagram illustrating a process in which an intermediary server receives a contract condition from a credit financial institution using a contract intermediation method according to an embodiment of the present invention.
  • FIG. 7 is a diagram illustrating a process in which an intermediary server performs a contract between a creditor and a debtor using a contract brokerage method according to an embodiment of the present invention.
  • FIG. 8 is a diagram illustrating a process in which an intermediary server induces payment of a credit financial institution using a contract intermediation method according to an embodiment of the present invention.
  • FIG. 9 is a diagram illustrating a process of setting and paying a priority amount of a priority or a first priority amount of money in a contract brokerage method according to an embodiment of the present invention.
  • FIG. 10 is a block diagram illustrating a structure of a mediation system and a mediation server for mediating a contract between a creditor and a debtor according to an embodiment of the present invention.
  • FIG. 11 is a diagram illustrating an example for explaining a profit sharing process using a creditor recruiting means in the contract brokering server according to an embodiment of the present invention.
  • a method of brokering a loan agreement between a creditor and a debtor may include: receiving, by an intermediary server, a contract condition from a creditor providing a loan, which is a target of a bond, to a credit financial institution; Receiving, by the intermediary server, contract terms from a debtor of the credit financial institution; Mapping, by the mediation server, a creditor and a debtor whose conditions match based on a contract condition input from the creditor, a contract condition input from the debtor, and a credit inquiry result; Requesting, by the intermediary server, to provide the creditor with the loan provided from the injured creditor by providing the account information or credit card information input from the injured debtor to the debtor in accordance with the terms of the contract; Calculating, by the intermediary server, the benefit of the injured creditor based on the loan provision history input from the credit financial institution after the loan provision of the credit financial institution is completed according to the request; And requesting payment by the intermediary server to the credited financial
  • inter-signal fund transactions have not been statistically aggregated, and the only option is to recover funds based on credit between them.
  • the amount is a small amount to secure the security of the bond through collateral security or guarantee insurance, the cost is more expensive, and various documents and procedures are complicated and time-consuming. Therefore, the embodiments of the present invention to be described below are for the collection of bonds through a third credit financial institution that generates a certain period of sales with a customer base such as credit card company or mobile carrier in the bond debt relationship between the autographs
  • a customer base such as credit card company or mobile carrier in the bond debt relationship between the autographs
  • embodiments of the present invention are intended to provide an environment in which a variety of individuals other than financial institutions as creditors can induce lower interest rates and easily raise funds through competition among creditors.
  • embodiments of the present invention provide creditors with a variety of information about the debtor, provide technical means to increase mutual trust, and suggest a stable method of recovering money, so that the transactions between the debenture market and the individual who are voiced online are online. It is of great significance to activate in the sun.
  • a credit card company is assumed as an example of a credit financial institution, and a loan contract is assumed as an example of a debt obligation contract.
  • the debtor is a customer of the credit card company (for example, may be a card company affiliate). That is, for convenience of operation, in the embodiments of the present invention, the debtor is preferably placed in an environment that can prove his or her credit or repayment ability through a specific trading relationship of the credit financial institution. However, if the creditor accepts the transaction in the personal transaction regardless of whether the repayment ability is proved, the credit card company may collect the player fee, so the operation of the brokerage system may be unreasonable. In summary, in an environment in which embodiments of the present invention are implemented, there is a separate contract or transaction relationship between the debtor and the credit financial institution in addition to the contract relationship between the creditor and the debtor.
  • 1 is a view for explaining the interaction of each subject and the movement of funds in the environment in which embodiments of the present invention are implemented, hereinafter, the debtor 10, creditors 20, intermediary server 30 and credit finance Introduce an overview of the role of agency 40.
  • the mediation server 30 connects both sides with each other according to the contract conditions of the debtor 10 and the creditor 20 to establish a contract. Therefore, in the strict sense, the debtor 10 and the creditor 20 do not have any debts or bonds before the contract is established by the intermediary server 30, and each has a status of a subscriber.
  • the debtor 10 corresponds to a party authorized for credit and repayment ability through a separate contract or transaction with the credit financial institution 40.
  • the creditor 20 first provides the debtor 10 with the object of the bond.
  • the object of these bonds could be money, goods or services.
  • the object of the bond is a good or a service having a property that can be controlled by the credit institution 40.
  • the debtor agreement is a loan agreement
  • the creditor 20 will lend funds to the debtor 10 through the credit institution 40.
  • this series of processes is to be controlled through the intermediate server (30). The following description will focus on the case where such a debt liability contract is a loan contract and the object of the bond is a loan.
  • the debtor 10 will likewise provide the creditor 20 with payment of the bond (which may be principal and interest, for example). Such reimbursement is also performed through the credit financial institution 40 under the control of the mediation server 30. At this time, the credit financial institution 40 does not simply deliver the benefit provided by the debtor 10 to the creditor 20, but is generated by separate transaction details between the debtor 10 and the credit financial institution 40. You can settle the amount of sales and the relevant benefits. For example, if the debtor 10 is a merchant of a credit card company, there will be sales generated every month to the credit institution 40 through the debtor 10. Therefore, the debtor 10 may offset the payment of the bonds that the debtor 10 should provide to the creditor 20 and the revenues that the debtor 10 should receive from the credit financial institution 40, and may transfer the difference.
  • the debtor 10 may offset the payment of the bonds that the debtor 10 should provide to the creditor 20 and the revenues that the debtor 10 should receive from the credit financial institution 40, and may transfer the difference.
  • the credit financial institution 40 will provide the creditor 20 with the payment of the bond promised by the debt obligation contract.
  • the embodiments of the present invention preferably provide the creditor 20 with the payment of the contract, regardless of whether the debtor 10 is repaid.
  • the intermediary system can ensure a continuous and stable recovery of the bond amount to the creditor 20, and can easily loan funds to the debtor 10 based on their credit.
  • the credit financial institution 40 may generate a separate profit (for example, to collect a pre-payment fee) from the performance of the debt obligation contract from the existing trading customer (meaning the debtor). .
  • the brokerage server 30 will also be able to achieve profits by collecting the brokerage fee in accordance with the bond debt brokerage.
  • the credit financial institution 40 may claim both the principal and interest according to the terms of the loan agreement as well as the credit card use price of the month on the settlement date.
  • the credit financial institution 40 will request the debtor the sum of the amount of the bond according to the credit card settlement date of the debtor 10 and the amount of the bond calculated according to the contract condition.
  • the loan contract brokering method the step of setting the priority or the highest amount of repayment of the reimbursement for the billing and the calculated payment according to the use of the credit card included in the amount charged to the debtor It may further include. Then, when the payment is made from the debtor in response to the request for payment to the injured debtor, the provision of the payment will be processed according to the priority or the highest priority amount of the above-mentioned payment.
  • the contracting parties including the creditor may be selected to repay the payments made by the debtor in the presence of a plurality of repayment objects. That is, the priority of the plurality of payment objects may be determined. If the priority of repayment is not set, it is possible to repay the credit card amount to be paid monthly and recover the bond amount from the remaining payment amount. On the other hand, when the priority of repayment is set, it is possible to decide whether to repay the entire amount of the bond again or to perform the highest priority payment on only a part of the bond amount. In the latter case, the amount or percentage of the highest priority payment may be input. Various cases will be described in more detail below.
  • the credit card payment is repaid in preference to the creditor's bond amount because no separate priority is determined.
  • the deposits from the debtor 10 may be deposited first by giving a high priority to the credit card payment, and the deposit may be processed by subordinated deposits, even if the loan is not deposited. It is not treated as overdue.
  • overdue interest due to the delayed payment of the loan may be added according to the agreed loan agreement, and the next month's loan and the overdue loan may be added together on the credit card billing date next month.
  • the creditor 20 may set the priority of repayment for the amount of recovery in various ways according to the fee method that the creditor 20 pays to the credit card company.
  • the priority of repayment for the amount of money collected from the debtor 10 may be adjusted in advance according to the fee to be paid. That is, the order of the reimbursement can be determined in advance with respect to the billing amount according to the use of the credit card included in the amount charged to the debtor 10 and the benefits calculated from the above.
  • the priority of the reimbursement should be given a higher priority among the charges and the calculated payments according to the use of the credit card, but the higher fees, but if necessary or as desired by the contracting parties. Can be configured.
  • the creditor 20 pays a relatively high fee according to the terms of the loan agreement, a higher priority is given to the loan repayment, so that all the amounts that the credit card company recovers from the debtor 10 are returned to the creditor 20.
  • the settlement process is performed, and if a shortage occurs for the credit card use amount of the entire bill, the debtor 10 is placed in a situation in which the credit card use amount is overdue.
  • the total delinquent amount is 10 million won
  • the card amount is 3 million won
  • the 7 million won is the debt amount
  • the credit card company has only the delinquency rights of 3 million won, but the remaining 7 million won
  • the system may also register to allow you to take over your bond rights.
  • the creditor 20 pays a relatively low fee, the creditor 20 is given a lower repayment order than the credit card company. Therefore, after all credit card payments are settled, only the remaining amount may be settled through the credit card company. In this case, if the debtor 10 is to settle the credit card payment only, the debtor 10 will be regarded as not in arrears for the credit card payment.
  • the highest reimbursement amount (the highest reimbursement amount may be set as the amount itself or as a predetermined ratio) may be set for the bond amount of the creditor 20.
  • the amount paid from the debtor 10 is 3 million won
  • the credit card company's bill is 2 million won
  • the amount of bonds (meaning loan principal and interest) to be paid to the creditor 20 is 1.5 million won.
  • the highest priority repayment amount is 500,000 won among the creditors' credits
  • the order of repayment is as follows.
  • 500,000 won will be deducted first from the payment amount of 3 million won, and then 2 million won of the credit card company will be reimbursed out of the remaining 2.5 million won, and the remaining amount of 500,000 won will be repaid for the remaining bonds. .
  • the remaining amount of 500,000 won will not be reimbursed for the insufficient amount of 500,000 even if it is covered by all of the 1 million won reimbursement except the highest amount of the outstanding bond amount of 500,000 won out of the total bond amount of 1.5 million won.
  • This unpaid deficit may be forwarded to the following month and may be billed in addition to the amount of new bonds accrued.
  • the credit institution 40 is a mobile carrier.
  • the debtor is a general individual who uses a credit card issued by a credit card company, and a credit card charge is incurred each month
  • the mobile service provider is responsible for the flow of the loan contract. It will play the role of controlling.
  • the mobile carrier makes a contract with each bank and creates an account for an intermediary service for brokering a bond debt contract, and then receives remittance of the loan amount under the loan contract from the creditor 20 to the account of the mobile carrier.
  • the mobile carrier may be able to charge a certain fee according to the brokerage service of the loan agreement from the creditor 20 and remit only the amount excluding the fee to the creditor 20.
  • the service fee may be borne by one or both of the debtor 10 or the creditor 20.
  • the mobile carrier records such transaction details to the intermediary server 30 and notifies the debtor 10 and the creditor 20 that the transaction is in progress, and then, in addition to the current monthly communication fee, In addition, the principal and interest under the loan agreement will be summed up to the debtor 10.
  • the mobile carrier delivers the loan principal and interest excluding the communication fee to the creditor 20.
  • the method may further include setting a highest reimbursement amount. Therefore, the mobile telecommunication usage fee may or may not be due to the payment made from the debtor according to the set priority or the priority payment amount.
  • An intermediary server can be implemented as a computer system with a conventional server client structure, and communicates with and contracts with clients (which can be terminals of creditors and debtors) and other servers (which can be credit financial institutions). It has the basic hardware to perform the defined operations for mediation. Since the configuration of the computer system can be easily proposed by those skilled in the art to which the present invention pertains, hereinafter, the configuration will be described based on the role and performance of the intermediary server.
  • step 210 the mediation server receives the contract terms from the creditor and the debtor.
  • the intermediary server receives the contract terms from the creditor providing the object of the bond to the credit institution. That is, the creditor accesses an intermediary server through a terminal such as his PC or a mobile phone and inputs or selects his investment conditions such as loan amount, interest rate, repayment period, and creditor's credit rating.
  • the intermediary server may classify the debtor by each condition and category, display through the creditor's terminal and derive the selection directly from the creditor.
  • the creditor will provide the credit financial institution with the object of the bond.
  • the object of the bond is finally provided to the debtor who is the contracting party through the credit institution.
  • the performance of the object of the bond is of a nature that is difficult to handle by the credit institution, it may be replaced by a separate means of verification of the performance.
  • the broker will arrange for the payment of the bond by delivering the object to the debtor and then notifying the broker or credit institution of the result. You can do it.
  • the intermediary server receives the contract terms from the debtor of the credit financial institution. That is, the debtor also accesses the mediation server through a terminal such as his PC or a mobile phone, and inputs or selects his loan contract conditions such as loan amount, interest rate, repayment period, and repayment means.
  • the intermediary server may classify the creditors by their respective conditions and categories, display them through the terminal of the debtor, directly derive the choice from the debtor, or send the debtor's conditions to the creditor waiting for investment.
  • the mediation server maps and stores the creditor and the debtor whose conditions match based on the contract condition input from the creditor, the contract condition input from the debtor, and a credit inquiry result.
  • a storage medium utilizing a separate database or structure may be used.
  • the debtor is preferably a person who is able to prove his or her credit and repayment ability by a separate transaction or contract with the credit institution.
  • the intermediary server can mediate transactions with creditors through credit check of creditors to credit institutions and lower the risk of money recovery.
  • the payment to the injured debtor is made by the injured debtor. It may be determined by subtracting the bond amount from credit card sales.
  • the credit institution is a credit card company and the injured debtor is a personal customer of the credit institution monthly credit card charges occur, the credit institution will charge according to the credit card settlement date of the debtor.
  • the debtor may be charged for the sum of the amount of the payment and the amount of the bond based on the calculated benefit.
  • the payment to the injured debtor may be determined by the sum of the incurred debtor's mobile communication use and the bond amount. That is, when the debtor is a customer of the mobile carrier and the monthly mobile telecommunication charges occur, the mobile telecommunication company calculates the sum of the billing charges based on the mobile telecommunication usage and the amount of the bond based on the calculated benefit on the date of the debtor's mobile telecommunication payment. Claims can be made to the debtor.
  • the payment to the injured creditor is preferably determined according to the contract terms entered by the creditor regardless of whether the injured debtor provides benefits.
  • embodiments of the present invention employ a structure that collects a separate fee in exchange for guaranteeing the stability of the debt collection through a third party credit financial institution, rather than a direct bond debt contract between the two parties. to be. That is, from the standpoint of the creditor, a separate brokerage fee or contract execution fee may be paid to the brokerage server operating entity and the credit financial institution, respectively, so that stable bond collection can be guaranteed.
  • the intermediary server provides the credit financial institution with the account information or credit card information input from the injured debtor to provide the object provided by the injured creditor (in the case of a loan contract, it will be a loan). Ask the debtor to provide it on condition.
  • the intermediary server first requests the debtor to provide the object of the bond according to the contractual relationship of the creditor debtor.
  • the intermediary server provides the creditor's account information or credit card information to the credit institution, and induces the credit institution to receive the object of the bond from the creditor and provide it to the debtor.
  • the broker server calculates the benefit of the injured creditor based on the object providing history inputted from the credit institution by the broker server.
  • the payment is based on the contract contents and may be changed by lump sum payment or installment. This benefit should also reflect the interest rate of the creditor.
  • step 250 the intermediary server requests payment to the injured creditor and the injured debtor by providing the credit financial institution with a bond amount based on the benefit calculated in step 250.
  • payments based on benefits are also preferably implemented through credit institutions. Its purpose and effect is, of course, for stable bond collection.
  • the mediation server may request payment of the fee from the credit institution.
  • the fee payment may be performed to the operating entity of the mediation server directly from the credit institution at a predetermined time without a request for payment of the fee from the mediation server.
  • the payment to be made to the injured debtor will be determined by deducting the amount of the bond from the creditor's credit card sales. Can be.
  • the credit institution may be charged with the charges for using the credit card on the credit card settlement date of the debtor.
  • the debtor may claim the sum of the bond amount based on the calculated benefit.
  • the credit financial institution may be charged with the billing fee according to the mobile communication usage on the date of payment of the mobile communication fee of the debtor.
  • the debtor may claim the sum of the bond amount based on the calculated benefit.
  • At least two amounts may be included in the amount charged to the debtor, including (1) the charges for using the credit card or the mobile communication and (2) the benefits calculated through step 240. Therefore, when payment is made from the debtor, it is necessary to determine the priority of the repayment for the above two amounts.
  • step 250 corresponds to step 250 of FIG. 2.
  • the method of reimbursement will be described based on the process performed before and after the step 250.
  • step 910 the priority or highest priority amount of the payment is set.
  • the priority of reimbursement is not set separately, any one of the two amounts described above (1) the charges for using the credit card or the mobile communication and 2) the payment of the loan agreement calculated according to the default setting Can be given priority. If the priority of the payment is set, the payment will be performed according to the set priority.
  • the highest reimbursement amount may be set. In this case, it would be possible to set the benefit of the loan agreement calculated, i.e., the highest repayment amount (it is possible to specify the amount or to enter a certain percentage of the amount of the bond) for a certain amount of the bond amount. This process would have to be carried out before 250 steps to ask the debtor to pay.
  • step 920 if the billed amount is paid from the debtor in accordance with the request of step 250, in step 930 it is checked whether the paid amount can be covered by the repayment. If it is possible to cover the payment with the payment made, proceed to step 950 to repay all the claims. On the other hand, if only a partial amount of the amount billed from the debtor is paid and the entire repayment process is impossible, the repayment allowance is processed according to the priority or the highest repayment amount of the repayment set in step 910.
  • the priority or the highest amount of the repayment is set. It may further comprise the step. Accordingly, when payment is made from the debtor in response to the request for payment of the incurred debtor, the provision of the payment is processed according to the priority or the highest amount of the settled payment. Furthermore, it is preferable that the priority of such repayment be given a higher priority among the charges and the calculated payment according to the use of credit card or mobile communication, which is relatively high in fee.
  • FIG. 3 is a diagram illustrating a process of recruiting creditors and debtors using a contract brokerage method according to an embodiment of the present invention, in which a creditor 20 recruits a debtor 10 through an intermediary server 30. It illustrates the situation.
  • the debtor 10 accesses the brokerage server 30 through a terminal such as a PC or a mobile phone and inputs information such as loan reason, repayment plan, interest rate, and house credit card company.
  • the input information is automatically classified and stored in a category (for example, school expenses or business funds, etc.) predetermined in the mediation server 30.
  • the debtor 10 should receive credit information about the member from the main transaction credit card company 40, and the credit card company 40 may provide the debtor's past delinquency history, average monthly payment amount, total card limit, or other financial information.
  • Loan information from institutions can be provided together.
  • the contract conditions input from the creditor 20 include the credit rating, the set amount, the interest rate, and the repayment period of the debtor 10. Then, the intermediary server 30 determines the debtor 10 according to the contract condition input from the creditor 20 by querying the credit institution 40 of the credit rating of the debtor 10.
  • the creditor 20 may search the debtor 10, and the search may be performed according to the loan purpose, credit rating, repayment plan, interest rate, and the like.
  • the creditor 20 may automatically notify the creditor 20 of the existence of the debtor 10 entering the loan condition through the intermediary server 30.
  • the intermediary server 30 may induce the contractor 20 and the debtor 10 to participate in the contract.
  • a plurality of creditors (20) can be jointly funded and loaned to the debtor (10).
  • the debtor 10 lowers the interest rate condition and renegotiates, and only the creditor 20 that accepts the changed condition may participate in the contract. That is, when the number of creditors 20 meeting the contract conditions input from one debtor is two or more, the mediation server 30 reduces the interest rate among the contract conditions input from the debtor 10 to be proportional to the number of creditors. It is preferable to set only the creditor 20 corresponding to the debtor 10 when the set interest rate is within the threshold set by the creditor 20.
  • the negotiation process of these contract terms may be selectively adopted according to the environment in which embodiments of the present invention are implemented.
  • the other party of the contract is determined by the approval.
  • FIG. 4 is a diagram illustrating a process of authenticating a creditor and a debtor using a contract brokerage method according to an embodiment of the present invention.
  • the embodiments of the present invention guarantee the flow of funds through a third trust institution (credit financial institution), the creditor 20 and the debtor 10 in FIG. Check if there is a business relationship with the customer.
  • the credit financial institution 40 may be a credit card company, etc., and may perform authentication through an intermediary server 30.
  • intermediary server 30 and credit institution 40 communicate with each other through separate communication channels or APIs (application programming interfaces), while debtor 10 and creditor 20 entered into intermediary server 30. Authentication may be performed by passing the information of the credit information to the credit financial institution 40.
  • the creditor 20 and the debtor 10 join the web site of the intermediary server 30 and select a payment method.
  • the payment method refers to a payment medium (for example, a credit card company or a mobile communication company) through a credit financial institution 40 which has a transaction relationship with a creditor or a debtor.
  • the main input items include e-mail address, credit card information, social security number, etc., and when the input is completed, the member is authenticated by the credit financial institution 40 such as a credit card company, and the result is notified to the intermediary server 30.
  • the creditor 20 or the debtor 10 is transmitted to the authentication value.
  • FIG. 5 is a diagram illustrating a process of mapping both of them according to a contract condition input by a creditor and a debtor using a contract intermediation method according to an embodiment of the present invention.
  • the broker server 30 inquires the credit financial institution 40 of the contents. Since the embodiments of the present invention are designed based on the transaction history between the debtor 10 and the credit financial institution 40, the credit financial institution 40 can loan based on the accumulated credit status of the debtor 10. The amount will be determined.
  • the debtor 10 and the creditor 20 input mutually agreed contractual terms to the intermediary server 30 via web or mobile.
  • these loan terms may include the amount of the bond, the interest rate, and the repayment period.
  • the intermediary server 30 matches the loan conditions presented by both of them and checks for consistency, and returns the result of the debtor creditor event when the mutual conditions match.
  • the transaction approval number is generated and transmitted. If the failure is successful, an error message is displayed on the terminal screen of the debtor 10 and the creditor 20 to induce adjustment of the loan condition again.
  • Transaction approval number is set among the debtor 10 and the creditor 20, the value entered by the creditor 20 as the initial approval number value, and the same credit number is assigned to the debtor 10, the conditions are mutually identical It is advisable not to notify you until you do so. If the conditions match, both parties can be notified that the authorization number has been issued through a communication means such as e-mail or SMS.
  • the debtor 10 and the creditor 20 may utilize NFC as a means of identity authentication and transaction confirmation. For example, after inputting a transaction condition, credit card information, etc. in each terminal, tagging each other terminal, if the loan conditions match, it displays a notification indicating the success of the success and at the same time to the intermediary server 30 It may be possible to store the results of the loan contract terms by sending the mapping results.
  • the user authentication is performed by comparing the face image of the terminal user photographed through a camera or a video call with a photograph previously registered in the mediation server 30. You could also do
  • the debtor 10 is a customer of a credit card company and a transaction occurs periodically with the credit card company. If the debtor is an individual customer of the credit card company, the credit card used by the debtor and the monthly loan repayment amount are charged. If the debtor is a merchant, the debtor may spend the monthly loan repayment amount by deducting a part of the amount due to the daily receivable. If the debtor is an individual, the credit card remaining limit exists and the monthly loan repayment amount is insufficient. Within that limit, the credit card company will lend cash to the debtor 10 and remit the loan amount to the creditor 20. Can be.
  • the business nature may be impaired and the risk of default may increase. For example, assuming that a merchant is a restaurant, expenses can incur raw and food costs and labor costs. If the sum of raw materials, foodstuffs, and direct labor costs is 5 million won, these items correspond to the necessary expenses for operating the restaurant, so the required amount of 5 million won can be set as a deposit. According to such a deposit, if the sales amount is less than 5 million won, the merchant sales cannot be used to repay the loan, and the excess amount can be recovered only if the sales amount is more than 5 million won.
  • the mediation system may provide a function of setting a deposit at the time of setting the debt collection condition and processing the loan payment only when the sales amount is equal to or greater than the amount.
  • the characteristics of the sales and the amount of each amount can be extracted and classified into the system. Therefore, in the brokerage system according to the present embodiment, if the sales can be classified according to the nature of the transaction (the interior, the supply of goods, etc.), the lender's loan financing purpose can be classified only for the sales according to the transaction of the specific nature. It could be set up to allow for fund recovery. For example, assume that the debtor 10 operates a cafe as an affiliate of a credit card company. The café not only sells a variety of coffees and beverages, but also bakery products such as bread and sweets.
  • the debtor (café owner) is provided with a bread maker from the manufacturer of the bread making machine and pays for the bakery.
  • the loan can be set to be collected only by the sales of bread except coffee and beverages.
  • the item code is pre-entered in the credit card sales slip and the total sales are calculated by extracting only the sales of the pre-entered item code, and then settled according to the loan agreement.
  • FIG. 6 is a diagram illustrating a process in which an intermediary server receives a contract condition from a credit financial institution using a contract intermediation method according to an embodiment of the present invention.
  • the mediation server 30 transmits the creditor, the personal information and loan conditions for the debtor, and the authorization number to the credit institution 40, the credit institution 40 inquires the customer database to repay the debtor's ability to pay And credit ratings to inform final transaction approval.
  • FIG. 7 is a diagram illustrating a process in which an intermediary server performs a contract between a creditor and a debtor using a contract brokerage method according to an embodiment of the present invention.
  • the mediation server 30 transmits the final approval number received from the credit institution 40 to the creditor 20 and the debtor 10, respectively, to notify the final transaction details. Then, the debtor 10 enters through the intermediary server 30 to receive the object (payment) of the bond, the creditor 20, the creditor 20 own account or virtual account or designation of the credit institution 40 You will transfer to your account. In this process, the intermediary server 30 is preferably secured by inquiring the credit institution 40 whether the account is valid.
  • the credit financial institution 40 collects a certain portion of the handling fee, and then transfers the money to the credit card account of the debtor 10 or the account to which the deposit is to be made.
  • the final transaction history is displayed on the screen of the terminal of the party in real time, or notified to the party via SMS to MMS.
  • FIG. 8 is a diagram illustrating a process in which an intermediary server induces payment of a credit financial institution using a contract intermediation method according to an embodiment of the present invention.
  • the mediation server 30 calculates the payment of the creditor 20 based on the contract contents. These benefits would reflect the interest rate under the initial contract. Then, the mediation server 30 requests the credit institution 40 to pay the creditor and the debtor to induce the settlement of the credit institution 40.
  • the credit institution 40 calculates the payment to be paid to the debtor 10 and the creditor 20, respectively, in accordance with this request.
  • the amount to be paid to the debtor 10 may be offset along with the settlement amount due to the separate transaction details and revenue generation between the debtor 10 and the credit financial institution 40.
  • the debtor 10 may contact the credit financial institution 40 on the card settlement date.
  • the creditor's benefits to pay and sales based on the membership details are offset against each other and only the difference can be remitted.
  • the intermediary server 30 requests the credit financial institution 40 to pay the fee according to the closing of the transaction, and the credit financial institution 40 pays the fee accordingly.
  • the intermediary server may provide an integrated merchant management system by providing a mutual settlement function between a plurality of credit institutions.
  • the credit or repayment ability of merchant A (the debtor) is credit card companies A, B, C It can be determined by adding up the total sales volume. In other words, the credit of Merchant A (the debtor) can be determined only by considering the sum of all sales generated through the transaction with Merchant A (the debtor).
  • embodiments of the present invention described below propose management means for integrated management of a plurality of credit institutions that deal with such debtors.
  • the intermediary server evaluates the credit for the debtor by aggregating and consolidating sales for each credit institution that deals with one debtor.
  • the embodiment of the present invention comprehensively credits (total sales total) credits generated through a plurality of credit financial institutions (ie, credit card companies A, B, and C companies). By considering this, the repayment can be distributed to each credit institution. In the above example, the total credit of the three credit institutions is 5.5 million won, which can cover all the monthly repayments of Merchant A.
  • the mediation server may sequentially reimburse the credit of the credit financial institution according to the ranking of the predetermined reimbursement provision, or may reimburse the repayment according to the ratio of the loan.
  • the intermediary server maps and stores at least one credit institution that deals with one debtor.
  • the intermediary server calculates the amount of bonds for each credit institution by considering the payment limit of one or more credit institutions based on the previously calculated benefits, and provides the calculated amount of bonds for each credit institution to each credit institution. Request payment of creditors and debtors.
  • the benefit calculated for one debtor is less than or equal to the sum of the payment limits of the credit institution that deals with one debtor, and the amount of bonds calculated by each credit institution exceeds the payment limit of each credit institution. It is preferred to be determined to be less than or equal to.
  • the payment limit of the credit financial institution means a practical limit of the payment that can be paid by the credit financial institution, and does not simply mean an absolute credit card company's payment limit.
  • the debtor is a merchant of a credit card company. This is the case when the debtor provides the merchant's receivables as collateral, so the benefit determined for the debtor is strictly less than or equal to the sum of the payment limits. May be determined.
  • the debtor is an individual, these benefits can be decided somewhat flexibly. If the credit card limit is 5 million won and the current credit card use amount is 2 million won, it is generally possible to determine 3 million won as the payment limit. However, if the payment limit was determined to be 8 million won according to its own credit rating, 800 won regardless of the existing credit card company's payment limit of 5 million won and the credit card authorization amount of 3 million won (2 million won was used for the article). You might be able to lend 10,000 won to the debtor. In other words, the debtor whose credit card limit is 5 million won can be additionally loaned through a separate credit rating regardless of the credit card limit. In addition, unlike the above example, if the limit is calculated only by 1 million won through credit rating, the debtor will be able to make a million won even if the credit card company's approval limit remains.
  • the credit card company may be able to pay at the creditor's option. Can be.
  • credit card companies will make 20 million won if the creditors pay relatively low fees, and may settle only if the loan is recovered, regardless of whether the loan is recovered.
  • the portion of the borrower's request loan of 20 million won for the self-assessment amount of 10 million won is guaranteed, and when the depositor deposits 10 million won, the borrower first transfers 10 million won allocated to the self-assessment amount to the creditor, 10 million won can be treated as overdue. After that, if the debtor deposits another 5 million won, it will be repaid with the credit card first. Third, if the fee paid by the creditor is relatively high, it may be possible to first repay all of the 20 million won deposited from the debtor as the bond amount.
  • FIG. 10 is a block diagram illustrating a structure of an intermediary system and an intermediary server for mediating a contract between a creditor and a debtor according to an embodiment of the present invention.
  • FIG. 10 illustrates a configuration corresponding to each process of the contract mediation method described with reference to FIG. 2. Include. Therefore, in order to avoid duplication of description here, only the configuration and function of each in terms of hardware will be outlined.
  • the individual components constituting the intermediary system include a plurality of debtors (which may be terminals of the debtor in terms of the implementation) 10, a plurality of creditors (which may be terminals of the creditors in the sense of implementation) 20, A plurality of credit institutions 40 and intermediary server 30 is included.
  • the debtor 10 and the credit institution 40 correspond to M: N relationship (where M and N are positive integers).
  • the configuration will be introduced focusing on the intermediate server (30).
  • the communication unit 31 receives the contract terms from the creditor 20 providing the object of the bond to the credit institution 40, and receives the contract terms from the debtor of the credit institution 40.
  • the communication unit 31 may use various communication means according to the server client structure, and may be implemented as a combination of physical communication hardware and a communication module for controlling the communication unit.
  • the casualty unit 35 is a creditor 20 having the above conditions matched based on a contract condition input from the creditor 20, a contract condition input from the debtor 10, and a credit inquiry result using the credit financial institution 40. And save the debtor 10 by mapping.
  • the mapping unit 35 may use a recording medium utilizing a separate database or data structure.
  • the processor 33 controls the performance of the contract through the credit financial institution 40 in accordance with the contract terms of the creditor and the debtor that are incurred through the casualty unit 35. More specifically, the processing unit 33, by providing the account information or credit card information input from the injured debtor 10 to the credit financial institution 40 through the communication unit 31, the injured creditor 20 Request that the object provided from the debtor 10 be provided in accordance with the terms of the contract. Further, the processing unit 33, after completing the provision of the object of the credit financial institution 40 according to the request, the payment of the injured creditor based on the history of providing the object input from the credit financial institution 40 Calculate. Then, the processing unit 33 provides the creditor institution 40 and the injured debtor 10 by providing the bond amount based on the calculated benefit to the credit financial institution 40 through the communication unit 31. Request a payment for
  • the processing unit 33 may request payment of a predetermined fee to the credit financial institution 40 through the communication unit 31 after the payment of the credit financial institution according to the request is completed.
  • the casualty unit 35 may map and store at least one or more credit financial institutions that deal with one debtor.
  • the processor 33 calculates a bond amount for each credit institution by considering the payment limit of one or more credit institutions based on the calculated payment, and calculates the bond amount for each credit institution by the communication unit ( 31 may be provided to each credit institution 40 to request payment to the injured creditor 20 and the injured debtor 10.
  • the processing unit 33 determines the benefit so that the benefit calculated for one debtor is less than or equal to the total sum of the payment limits of the credit financial institution that deals with the one debtor, and the calculated credit It is desirable to determine the amount of the bond so that the amount of bond per financial institution is less than or equal to the payment limit of each of the credit institutions.
  • the processor 33 may be implemented through a combination of at least one processor and a memory supporting the same to perform a series of operations defined as described above, together with software for controlling these hardware. Can be designed to operate.
  • mapping unit 35 of the mediation server 30 shown in FIG. 10 may have a technical means for recruiting a large number of creditors, thereby creating a large fund composed of a plurality of creditors or investors. have.
  • the creditor wants to generate a large loan amount to an unspecified majority, the creditor can use the intermediary server to analyze the loan objectives, interest rates and repayment plans entered by the debtor, and select the debtor to enter into a loan agreement.
  • many creditors tend to imitate those with high yields (ie, low defaults) and high yields. By following these successful creditors, a large number of investors can come together to form large funds.
  • the casualty unit 35 further includes creditor recruitment means 37 for recruiting a plurality of investors to create a creditor group.
  • the creditor recruitment means 37 calculates at least one of a risk management index or a return rate for each creditor based on the investment history of the creditors, and provides the investor with the calculated creditor information and the debtor information selected by the creditor.
  • the creditor recruiting means 37 generates a creditor group including the creditor and the investor by selecting a creditor indicating whether the investors participate in the investment, and then adds the investment amount for each generated creditor group to Set as the target.
  • a method of configuring a creditor group will be described in more detail with reference to FIG. 11.
  • FIG. 11 is a diagram illustrating an example of a profit sharing process using creditor recruiting means in a contract brokering server according to an embodiment of the present invention, in which a debtor 10 recruits a plurality of investors through a brokering server. The process is illustrated. In FIG. 11, it is assumed that creditor A 20 sets up a large investment amount by recruiting other investors.
  • the conditions under which the creditor A 20 recruits investors are as follows.
  • the total amount of the debt of the plurality of debtors (debtor A, debtor B, debtor C) is 40 million won, and the amount of investment that the creditor A intends to invest (the object of the bond) is 20 million won. to be. Therefore, for the shortage of 20 million won, each investing 4 investors with 5 million won will set the total investment amount of 40 million won.
  • this investment condition has a target return of 10%, the period of operation of the fund is 6 months, and the successful remuneration for creditor A when the bond is stably recovered is 10% of the proceeds.
  • the embodiment of FIG. 11 introduces the concept of the minimum guaranteed yield set to 5%, which represents the minimum yield that can be guaranteed to investors. Of course, this is not an unconditional profit guarantee, so we set the risk compensation ratio to 30%.
  • the rate of return is 3%.
  • the creditor A and four investors each receive a dividend of KRW 200.6 million, which is 50% of their total investment.
  • the creditor recruitment means 37 sets the creditor's success fee, the debtor's minimum guaranteed rate of return and the risk reward rate in accordance with the creditor's input. Then, the processor 33 calculates the proceeds of the creditor and the investor according to the ratio of the investment amount in the creditor group and the set success reward in accordance with the set contents. If the benefit provided by the debtor is less than the minimum guaranteed rate of return set through the creditor recruitment means 37, the calculated investor calculates a value obtained by multiplying the set amount of risk compensation by the shortage of profit according to the minimum guaranteed rate of return. By adding to the proceeds of the final decision of the investor will be determined.
  • the mapping unit 35 of the intermediary server 30 of FIG. 10 may optionally include an authentication means 39 for authenticating the identity when a debtor or creditor's request occurs.
  • the authentication means 39 receives a photograph of the debtor or the creditor in advance, receives a face image photographed through a camera provided in the terminal of the debtor or the creditor, through the communication unit 31, The identity of the user may be examined by comparing the received face image with the stored picture.
  • the institutional credit financial institutions with high reliability to provide the objectives and benefits of the bonds according to the contract relationship
  • the right place for the creditor can be provided online and the stability of the investment can be secured regardless of whether the debtor stops providing benefits.
  • embodiments of the present invention can demonstrate the creditor's credit and repayment ability through a continuous transaction history with a credit financial institution such as a credit card company, thereby providing an intermediary server without providing any guarantee insurance or collateral.
  • the creditor linkages provided by the Bank provide a consistent and stable way to raise funds online.
  • embodiments of the present invention can increase the likelihood of recovering the bond by integrating the credits of a plurality of credit financial institutions to secure the repayment of the bond to the maximum, and can lead to the implementation of a stable bond debt contract.
  • inventions of the present invention can be implemented by computer readable codes on a computer readable recording medium.
  • the computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored.
  • Examples of computer-readable recording media include ROM, RAM, CDROM, magnetic tape, floppy disk, optical data storage, and the like, and also include implementing in the form of a carrier wave (for example, transmission over the Internet). .
  • the computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

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Abstract

La présente invention se rapporte à un procédé de mise en place d'un accord de prêt entre un créancier et un débiteur et un système de courtage conforme à ce procédé. Un procédé de mise en place d'un accord de prêt par un serveur de courtage selon un mode de réalisation de la présente invention comprend : la réception des conditions d'accord d'un créancier qui fournit un prêt à une institution financière, le prêt étant l'objet d'une liaison ; la réception des conditions d'accord d'un débiteur d'une institution financière ; la mise en correspondance d'un créancier à un débiteur sur la base des conditions d'accord du créancier et du débiteur et résultats de récupération de crédit ; le stockage des résultats mis en correspondance ; la demande de l'institution financière de fournir le prêt prévu par le créancier pour le débiteur selon les conditions d'accord en fournissant les informations de compte ou informations de carte de crédit entrées par le débiteur à l'institution financière ; le calcul du bénéfice du créancier sur la base d'un prêt fournissant une entrée d'historique de l'institution financière après que l'institution financière achève fournissant le prêt en réponse à la demande ; et la demande de l'institution financière offre de l'argent au créancier et le débiteur en fournissant un montant de crédit sur la base des bénéfices calculés pour l'institution financière.
PCT/KR2012/000841 2012-02-02 2012-02-06 Procédé de mise en place d'accord de prêt entre un créancier et un débiteur et système de courtage selon le procédé WO2013115424A1 (fr)

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