KR100456032B1 - Credit and debt inquiry system and method - Google Patents

Abstract

The present invention relates to a system and method for preparing or verifying a debt obligation inquiry through the Internet. In particular, the sending company terminal, the replying company terminal, and an authorized certification authority server are connected to the debt debt inquiry computer and the Internet, and to the sending company terminal. Send or reply to the debt and debt statement prepared by e-mail, and when you send or reply to the contents of the debt and debt inquiry, make an electronic signature by the electronic signature method, and use the public key provided to read it, and send and receive the debt obligation The present invention relates to a debt and debt retrieval system and method that cannot be maintained, forged, tampered with, or disallowed by authenticating the validity of the public key included in the electronic signature through the authorized certification authority server.

Description

Bond Debt Inquiry System and Method {CREDIT AND DEBT INQUIRY SYSTEM AND METHOD}

The present invention relates to a system and method for preparing or verifying a debt obligation inquiry through the Internet. In particular, the sending company terminal, the replying company terminal, and an authorized certification authority server are connected to the debt debt inquiry computer and the Internet, and to the sending company terminal. Send or reply to the debt and debt statement prepared by e-mail, and when you send or reply to the contents of the debt and debt inquiry, make an electronic signature by the electronic signature method, and use the public key provided to read it, and send and receive the debt obligation The present invention relates to a debt and debt retrieval system and method that cannot be maintained, forged, tampered with, or disallowed by authenticating the validity of the public key included in the electronic signature through the authorized certification authority server.

In the past, a debt and debt inquiry form was written and exchanged by mail between companies in bonds or debt relations, and the company receiving the debt and debt inquiry form confirmed this and returned it to the sending company through the procedure to confirm the confirmed document. The accuracy of the bond amount or debt amount has been verified. The mail exchange of the above-mentioned debt and debt inquiries is not only time-consuming and time-consuming for the mailing of the debt and debt inquiries, but also the company receiving the debt and debt inquiries confirms the documents and again. There was a problem in that a lot of debt and debt inquiries were not recovered because of the troublesome work to be returned, and a double effort was required because the unpaid debt and debt inquiries had to be resent.

The present invention was devised to solve the above problems, and an object of the present invention is that a user having a plurality of bonds or debt relations transmits and receives the bond debt inquiry through a terminal connected to the Internet, and the user terminal is mutually It is equipped with a bond debt inquiry computer that acts as an intermediary for the inquiry work by connecting, so that the bond debt inquiry can be exchanged online, and a certified certification body server is installed for maintaining and notarizing the documents. It is to provide a system that is connected to the bond debt inquiry computer and the Internet to be electronically signed and authenticated when creating and storing the document. In addition, there is a fear of loss and hacking that may occur during the delivery process by verifying or modifying the contents of the debt obligation inquiry only when the debt obligation inquiry is linked to the e-mail without directly sending the debt obligation inquiry. To provide a debt debt retrieval system and method.

1 is a block diagram of a debt debt inquiry system according to the present invention;

2 is a block diagram of a bond debt inquiry system according to another embodiment of the present invention;

3a is a block diagram of a web server according to the present invention;

3b is a block diagram of a query processing server according to the present invention;

3c is a block diagram of a DB server according to the present invention;

Figure 4 is a flow chart of the debt debt retrieval method according to the present invention;

Figure 5 is a flow chart of the receivables and receivables through the user terminal according to the present invention;

6 is a schematic diagram of a web page displayed on a user terminal according to the present invention;

7A is a state diagram of the web page of the customer of FIG. 6;

7B is a web page state diagram of the account subject of FIG. 6;

7C is a web page state diagram of the inquiry amount input of FIG. 6;

FIG. 7D is a state diagram of the web page of the reply amount input of FIG. 6; FIG.

FIG. 7E is a state diagram of the web page of the query target selection in FIG. 6; FIG. And

FIG. 7F is a diagram illustrating a web page of sending inquiry form of FIG. 6.

* Explanation of symbols for the main parts of the drawings *

1: Bond Debt Inquiry Computer 2: Shipping Company Terminal

3: Reply company terminal 4: Authorized certification authority server

5: Inquiry Requester Terminal 10: Web Server

11: authentication module 12: session maintenance module

13: Web page providing module 20: query processing server

21: Basic Information Management Module 22: Inquiry Amount Input Module

23: reply amount input module 24: inquiry writing module

25: inquiry signature electronic signature module 26: inquiry result information providing module

30: DB server 31: Member DB

32: Inquiry Form DB 33: Digitally Signed Data DB

40: mail server

In order to achieve the above object, the bond debt retrieval system according to the present invention is a system for providing information related to bonds and debt on request through one or more user terminals connected to the network, connected to the network using the user terminal A debt obligation inquiry computer for providing a debt obligation inquiry function of a client, and having one or more servers to store information of a debt obligation inquiry form created or confirmed by the user terminal; A sending company terminal connected to the bond debt inquiry computer to create the bond debt inquiry as required or requested, and to send an e-mail to a user terminal other than the user for requesting confirmation of the bond debt inquiry; Connected to the bond debt inquiry computer, access the bond debt inquiry computer through the link of the e-mail received from the sending company terminal, confirm and save the contents of the bond debt inquiry form, and return the email for confirmation to the sending company terminal. Reply to the terminal; And an authorized certification authority server connected to the bond debt inquiry computer to authenticate the validity of the public key for viewing the contents of the bond debt inquiry written electronically by the sending company terminal or the reply company terminal. Characterized in that made.

Preferably, as part of the process of investigating or auditing the financial status of the sending company connected to the debt debt inquiry computer, requesting the inquiry of the customer's bond or debt status to the sending company terminal to control the debt debt inquiry operation. Or further comprises an inquiry requester terminal for direct inquiry.

The bond debt inquiry computer includes a web server for providing a bond debt inquiry form in the form of a web page on a user terminal and providing a user authentication or an email service; An inquiry processing server that uses the user terminal to perform an electronic signature for the preparation of the debt obligation inquiry, management of account information, management of debt obligation information, or dispatch of the debt obligation inquiry; A DB server for storing information of a customer required for the preparation of the debt obligation inquiry, information transmitted / received through the debt debt inquiry computer, and information such as the electronic debt signature inquiry; And it characterized in that it comprises a mail server to send and receive e-mail requesting confirmation of the debt obligations inquiry.

The web server includes an authentication module for processing the registration or authentication of a user connected through the web of the Internet; A session maintaining module for maintaining a connection state between the user terminal and the debt debt inquiry computer; And a web page providing module for displaying information provided from the bond debt inquiry computer on the user terminal.

The inquiry processing server includes a basic information management module that manages information such as accounts, account subjects, briefs, etc. necessary for the preparation of the debt obligation inquiry; An inquiry amount input module for inputting, modifying or storing an amount of an account subject or an account to be inquired using a sending company terminal or an inquiry requester terminal; A reply amount input module for inputting reply contents for the request for confirmation of the debt obligation inquiry using the reply company terminal; An inquiry writing module for preparing the bond debt inquiry that can be sent using the stored basic information; Inquiry electronic signature module for electronic signature to the bond debt inquiry received and received; And an inquiry result information providing module which analyzes the information on the result of sending or responding to the debt obligation inquiry and provides a report.

The DB server includes a member DB for storing information about the sending company, the replying company or the inquiry requester; Inquiry inquiry contents DB which stores contents of bond debt inquiry inquiry inquiry form which is prepared from the sending company, the reply company or the inquiry requester before being electronically signed; And an electronically signed data DB in which the contents of the debt obligation inquiry inquiry inquiry, which is created from the sending company or the replying company, are electronically signed.

In addition, the method for receivable bond debt inquiry according to the present invention is a method for creating, sending or confirming and sending back the debt obligation inquiry by using the debt obligation inquiry system, and sending the user who has logged in by accessing the debt obligation inquiry computer. A connection step of downloading and displaying the bond debt inquiry form in a web form on a company terminal or inquiry request terminal; An inquiry writing step of inputting or modifying the debt obligation inquiry form and storing the selected data for sending in the inquiry writing contents DB of the DB server; An electronic signature step of performing an electronic signature with an encryption key on the debt obligation inquiry form selected as a sending company; An e-mail sending step of sending an e-mail linking to an internet site address for confirming the bond debt inquiry to the replying company terminal and simultaneously storing the e-signed data DB of the DB server; After accessing the Internet site linked to the e-mail received by the replying company terminal, the public key is validated by an accredited certification authority to read the debt obligation inquiry, and then the contents of the debt obligation inquiry are used by using the public key. Receiving an email confirmation step; A storage step of storing the debt obligation inquiry in which the identified debt obligation inquiry is stored in the inquiry form DB of the DB server; An electronic signature step of performing an electronic signature using an encryption key on the contents of the bond debt inquiry confirmed; An e-mail reply step in which an e-mail containing the confirmation that the bond debt inquiry has been confirmed is returned and the bond debt inquiry which is electronically signed is stored in the electronically signed data DB of the DB server; And after the sending company terminal or the inquiry requester terminal, which has received an e-mail, accesses the bond debt inquiry computer, logs in, and receives the validity of the public key from the accredited certification authority to read the bond debt inquiry returned. Characterized in that the debt receivable inquiry collection step of identifying or outputting the contents of the debt receivable inquiry using the public key.

Hereinafter, an embodiment according to the present invention will be described in more detail with reference to the accompanying drawings.

1 is a configuration diagram of a debt debt inquiry system according to the present invention, which includes a web server 10, a query processing server 20, a DB server 30, and a mail server 40. One or more user terminals in the bond or debt relationship, that is, the sending company terminal (2) and the returning company terminal (3) are connected to the Internet, and are created and sent or confirmed and returned through the bond debt inquiry computer (1). An accredited certification authority server 4 for verifying the validity of the public key attached to the debt inquiry is also connected to the bond debt inquiry computer 1 via the Internet.

The debt obligation inquiry computer 1 provides a debt obligation inquiry function of a client connected to a network by using the user terminal, and is a device for storing information of a debt obligation inquiry written or confirmed between the user terminals. The sending company terminal (2) is connected to the bond debt inquiry computer (1) and bonds at the request of the sending company's own needs or for the purpose of auditing the sending company of the inquiry requester according to another embodiment of the present invention. It is a kind of user terminal for making a debt inquiry form and sending it to user terminals other than itself. Here, the sender's own need refers to an act of directly inquiring a user having a bond or a debt in order to confirm the amount of his / her debt, and the request for the purpose of auditing the sender of the inquiry requester is Refers to the act of requesting inquiry from the sending company and controlling the process of preparing the inquiry in order to inspect or audit the sending company's financial status and to verify the accuracy of the debtor's debts. The replying company terminal 3 is connected to the bond debt inquiry computer 1 to check the contents of the bond debt inquiry received from the sending company terminal 2 via an e-mail link to the bond debt inquiry computer 1. It is a kind of user terminal for storing and returning an e-mail for confirmation to the sending company terminal 2. The authorized certification authority server (4) is connected to the bond debt inquiry computer (1) and included in the bond debt inquiry written or confirmed and electronically signed and stored in the sending company terminal (2) and the reply company terminal (3) It is a device to authenticate the validity of the encryption key.

A method of digitally signing a document or the like using the encryption key and the encryption key will be described below. The encryption key is a secret key used to digitally sign a document for the purpose of preventing forgery and denial of an electronic document. A cryptographic key is required by a financial institution or other registration authority (RA) to obtain the encryption key. When the applicant submits an application (identity card, issuance application, seal, etc.), the registrar will give the applicant the ID and password necessary for issuing the certificate, and the applicant will access the registrar with a personal user computer to perform the certificate issuance procedure. In this case, the certificate is generated in a personal user computer by a program provided by the registrar. When a private key (hereinafter referred to as an "encryption key") and a public key generated by the program are generated, the public key and the certificate are transmitted to the registrar for registration. The digital signature is stored and stored in the personal user computer together with the certificate, and the encryption key is used to transmit various documents online. The electronic document finally created through this process is attached with a certificate for verifying the identity of the document creator, and the certificate includes a public key for reading the electronic document. On the other hand, the public key is provided not only to the registrar, but also to a plurality of users for the purpose of exchanging documents, and used to view an electronically signed electronic document, and the public key is used to digitally sign the created electronic document. It is a unique key paired with an encryption key owned by a user, which is the only key corresponding to the encryption key, and is a public key for use by anyone. In addition, the certificate issued from the registrar includes 15 kinds of information such as the customer's name, issuer, unique number, expiration date, and public key.

The debtor's debt statement is sent by one company (shipping company) to another company (returning company), and when the sending company wants to confirm the accuracy of the amount of the debt obligation to the returning company. (A) A document which is sent to request a confirmation from the replying company after filling in the amount of the debt obligation and stamping the seal of the sending company. In this case, the replying company shall indicate on the document whether or not there is a coincidence or inconsistency with respect to the amount of the debt obligation inquiry and send it back to the sending company, and the debt obligation inquiry thus prepared becomes a document having legal effect. According to the present invention, the method for delivering the debt obligation inquiry is made by the sending company terminal (2) accessing the debt obligation inquiry computer (1) through the Internet, making a debt obligation inquiry form on the Internet, and requesting confirmation from the reply company terminal (3). In order to send the e-mail link to the Internet site address that can confirm the bond debt inquiry, the reply company terminal (3) receiving the access to the debt debt inquiry computer (1) through the Internet site address linked to the email By confirming and storing the bond debt inquiry to complete the inquiry work.

Referring to the flow in which the debt or debt statement is written or confirmed between the configuration shown in Figure 1 as follows. The sending company terminal 2, which is logged into the bond debt inquiry computer 1 through the Internet, displays the relevant information, account subject information, and the amount of each account or account of the customer to be queried as shown in FIGS. 7A, 7B, and 7C. Input through the provided web page, select the account to be inquired by each account using the function provided from the debt obligation inquiry computer (1), and then request confirmation of the debt obligation amount to the reply company terminal (3) A website for preparing a debt obligation inquiry form and storing it in the DB server 30 of the debt obligation inquiry computer 1 and electronically signing the stored debt debt inquiry statement by using an encryption key. Send an email with the address linked (101). An email requesting confirmation of the debt obligation sent from the sending company terminal 2 to the email address of the replying company terminal 3 is transmitted through the bond debt inquiry computer 1 (102), and the email is received. The replying company terminal 3 should click on the Internet site address linked to the e-mail to access the bond debt inquiry computer 1 (103), and check the contents of the electronic debt signature inquiry signed at this time. The public key provided to retrieve the query must be validated. Therefore, when the replying company terminal 3 attempts to confirm the contents of the digitally signed bond debt inquiry, the public debt key for decryption on the bond debt inquiry computer 1 through the Internet network is currently present. A request is made to verify whether the public key is valid (104), and whether the public key is valid or not is notified again to the bond debt inquiry computer (1) (105), and the reply company terminal (3) does not receive the public key. Use 106 to view the electronically signed debt statement (106). After confirming the contents of the debt obligation inquiry, the replying company shall determine whether the amount of the debt obligation is identical or inconsistent, and if so, indicate in the coincidence term, and in case of disagreement, indicate in the mismatch term through the reply company terminal (3). After inputting the amount or other comments to claim the debt and debt inquiry again in the DB server 30 of the debt and debt inquiry computer (1), the electronic signature using the encryption key and then again the debt and debt inquiry computer ( An e-mail containing the information stored in 1) and the reply to the debt obligation inquiry form is returned to the sending company terminal 2 (107). The sending company terminal 2, which has received an e-mail reply from the replying company terminal 3 (108), accesses the bond debt inquiry computer 1 and attempts to view the returned debt obligation inquiry form (109). The bond debt inquiry computer 1 requests authentication from the authorized certification authority server 4 to determine whether the public key for reading the electronically signed bond debt inquiry is currently valid (110). In response, the accredited certification authority server 4 authenticates the validity of the public key, notifies the bond debt inquiry computer 1 (111), and the sending company terminal 2 returns the bond debt inquiry form. After checking (112), analyze the difference in the amount of money or the result of the reply and print out the data or request the confirmation of the debt obligation to the unreturned account again.

FIG. 2 is a block diagram of a debt debt inquiry system according to another embodiment of the present invention, and the inquiry request terminal 5, which is a user terminal, is added to the bond debt inquiry computer 1 of FIG. Doing. The inquiry requester terminal (5) is a device for requesting the inquiry of the bond or debt status of the customer to the sending company terminal (2) or to directly look like the sending company terminal (2) in FIG. In the event that the accountant wants to conduct a debt obligation retrieval on a debt obligation held by a shipper, a specific customer, as a certified public accountant or another user as necessary, the inquiry requester selects a reply company, which is a customer who has a bond or debt relationship with the shipper. Request the sender, which is the requester, to send the debt and debt inquiry, and the inquiry request is directly received or the information is provided through the sending company terminal (2).

Referring to the flow of the bond debt inquiry is transmitted and received between the components shown in Figure 2 as follows. The inquiry requester terminal 5 or the sending company terminal 2 that has received a request for debt receivable inquiry from the inquiry requester terminal 5 via the Internet, the related information of the customer to be queried; Account information, the amount of each account or each account is entered through a web page provided as shown in Figs. 7A, 7B and 7C, and inquired from the inquiry requester using a function provided from the debt obligation inquiry computer 1 The client receives the request for each account and stores it in the DB server 30 of the debt obligation inquiry computer 1. When the sending company directly inquires the debt obligation, the sending company terminal (2) prepares the debt obligation inquiry requesting the confirmation of the debt obligation amount based on the stored data, and after the electronic signature is made, the reply company makes the debt obligation later Link to the e-mail site address that can confirm the inquiry to the e-mail sent to the reply company terminal (3) (201). On the other hand, when the inquiry requester terminal (5) performs a direct debt debt inquiry, the sending company terminal (2) to inform the customer and the inquiry amount and to send an e-mail or to directly select the customer and input the inquiry amount after The electronic signature of the debt obligation inquiry form is requested to the sending company terminal 2, and an email is sent to the replying company terminal (201 '). Through the bond debt inquiry computer 1, an email requesting confirmation of the bond debt sent from the sending company terminal 2 or the inquiry requester terminal 5 to the email address of the replying company terminal 3 is delivered. (202), the replying company terminal (3) receiving the e-mail clicks on the Internet site address linked to the e-mail to access the bond debt inquiry computer (1) (203), and the contents of the electronic signature debt inquiry form At this time, the validity of the public key provided for viewing the debt obligations statement should be checked. Therefore, when the replying company terminal 3 attempts to confirm the contents of the digitally signed bond debt inquiry, the bond debt inquiry computer 1 has a public key attached to the certificate authority server 4 through the Internet. A request is made to verify whether the certificate is valid (204), and whether or not the validity is determined is notified to the bond debt inquiry computer (1) (205), and the replying company terminal (3) finally uses the public key. View the electronically signed debt statement (206). After confirming the contents of the debt obligation inquiry, the replying company shall determine whether the amount of the debt obligation is identical or inconsistent, and if so, indicate in the coincidence term, and in case of disagreement, indicate in the mismatch term through the reply company terminal (3). And input the amount or other comments to claim the debt and retrieval statement in the DB server 30 of the debt and receivables inquiry computer (1), the electronic signature by using the encryption key and then again the debt and debt retrieval computer An e-mail containing the fact that the debt and debt inquiry was returned in (1) is returned to the sending company terminal 2 or the inquiry requester terminal 5 (207). The sending company terminal (2) or the inquiry requester terminal (5) that has received an e-mail reply from the replying company terminal (3) (208, 208 ') is connected to the bond debt inquiry computer (1) and is electronically signed and returned. Attempts to view the debt inquiries (209, 209 '), wherein the debt inquiries computer 1 to determine whether the public key for viewing the digitally signed debt inquiries is currently valid, the authorized certification authority server Request authentication to (4) (210). In response to this, the certification authority server 4 determines the validity of the public key and notifies the bond debt inquiry computer 1 (211), and the sending company terminal 2 or the inquiry requester terminal 5 It will be possible to read the contents of the debt and debt inquiries (212,212 '). The sending company terminal (2) or the inquiry requesting terminal (5) analyzes the difference in the amount of money or the result of the reply by using the returned debt debt inquiry, and outputs the data or requests confirmation of the debt obligation again to the unreturned account. do.

As described above, in the case of directly performing debt repayment inquiry through the inquiry requester terminal 5, the inquiry requester can inquire in the same procedure and method as the method of performing debt debt retrieval through the sending company terminal (2). Since the authority to perform the electronic signature before preparing and sending out the debt inquiry is actually only by the sending company terminal 2, the inquiry requester should request the sending company for the electronic signature work. In addition, although the bond debt inquiry is confirmed and received from the reply company terminal (3) can be viewed directly from the inquiry requester terminal (5), it is also possible to receive information through the sending company terminal (2).

3A to 3C show each component constituting the bond debt inquiry computer 1 in FIG. 1 or FIG. 2, submodules and subDBs thereof. Each of the sub-modules and the sub-DBs has an independent function and is located in the bond debt inquiry computer 1, the sending company terminal 2, the returning company terminal 3, and the inquiry requesting terminal 5 And it is organically connected to the authorized certification authority server 4 performs a query function of the debt.

3A is a configuration diagram of a web server 10 according to the present invention, wherein the web server 10 provides the bond debt inquiry form in the form of a web page on the user terminal and provides the user's authentication or email service. In charge of the function. The web server 10 receives a user ID and a password from a sending company terminal 2, a replying company terminal 3, or an inquiry requester terminal 5 through a web page to determine whether the user who attempts to access is a registered user. An authentication module 11 for judging and processing user authentication; A session maintaining module 12 for maintaining a connection state with the sending company terminal 2, the replying company terminal 3, or the inquiry requesting terminal 5; And a sub module such as a web page providing module 13 for providing a web page on the screen of the sending company terminal 2, the replying company terminal 3, or the inquiry requesting terminal 5;

3B is a configuration diagram of the inquiry processing server 20 according to the present invention, wherein the inquiry processing server 20 uses the user terminal to create a debt obligation inquiry form, manage account information, manage debt bond information or the above. It is in charge of the function of digital signature for the sending of debt and debt inquiry. The sub module of the inquiry processing server 20 includes a basic information management module 21; Inquiry amount input module 22; Reply amount input module 23; Inquiry writing module 24; Inquiry signature electronic signature module 25; And inquiry result information providing module 26. The basic information management module 21 is the name, address, zip code, name of the contact person, contact person, contact person email, frequently viewed inquiry account subjects, business registration number, of the sending company or inquiry requester Basic information such as a telephone number can be input, modified or stored through a web page provided as shown in FIG. 7A, and is responsible for inputting, correcting or storing a brief information on the account subject. The inquiry amount input module 22 inputs, corrects or stores the amount of each account subject or account to be inquired through the sending company terminal 2 or the inquiry requesting terminal 5 through the web page provided as shown in FIG. 7C. It is also possible to perform automatic input of data using a sheet such as MS Excel for convenience of input or correction, and provide a function of classifying basic information to facilitate input of an inquiry amount. The reply amount input module 23 is responsible for inputting the reply content for the item received the inquiry request through the reply company terminal 3, and confirms and returns the contents of the debt obligation inquiry link linked to the received e-mail. A function of inputting a confirmation date, content, amount, etc., which are contents to be desired, through a web page provided as shown in FIG. 7D is provided. The inquiry writing module 24 is a module for creating a bond debt inquiry that can be sent using the basic information stored in the DB server 30, and initially selects the contents of the inquiry in various ways to create a form of inquiry that can be sent. This is provided. The inquiry signature electronic signature module 25 is a module for digital signature on the bond debt inquiry, which is the data requested by the sending company and the data confirmed by the replying company. The inquiry result information providing module 26 is a module for preparing a report by analyzing information on a result of sending or responding to a debt debt inquiry and providing the report in a form such as MS Excel. Is also provided.

3c is a configuration diagram of a DB server 30 according to the present invention, wherein the DB server 30 is information of a client required for the preparation of a debt obligation inquiry, information transmitted and received through the debt obligation inquiry computer 1, and electronically. It is in charge of the function of storing the signed debt obligation inquiry. Sub-DB of the DB server 30 is a member DB (31); Inquiry writing content DB 32; And an electronically signed data DB 33. The member DB 31 is a device for storing information on a sending company, a replying company, or a query requester, which is information input by the basic information management module 21 of the inquiry processing server 20, and preparing a debt obligation inquiry. Inquiry request is made by selecting the information of the sending company, replying company or inquiry requester when sending or replying. The inquiry writing content DB 32 is interlocked with the inquiry amount input module 22, the reply amount input module 23, or the inquiry form preparation module 24 of the inquiry processing server 20, and sends the inquiry company, the reply company or the inquiry. It is a device that stores the contents of the debt obligation inquiry before it is prepared and signed by the requestor. The digitally signed data DB 33 is interlocked with the inquiry form electronic signature module 25 of the inquiry processing server 20, the device that is stored by the sending company or the reply company, the contents of the electronic debt signature inquiry written to be.

On the other hand, the mail server 40, which is a component constituting the bond debt inquiry computer 1 shown in Fig. 1 or 2, the bond between the sending company terminal (2) or inquiry requester terminal (5) and the return company terminal (3) It is responsible for sending and receiving e-mail to confirm the request for confirmation or completion of debt inquiry.

4 illustrates a method of preparing, sending, confirming, or replying to a debt debt inquiry using the debt debt inquiry system according to the present invention, and is performed in the following steps.

First, a description will be given of how the debt debt inquiry operation is made through the configuration shown in FIG. 1, which is connected to the debt debt inquiry computer 1 and logged in to the sending company terminal 2 or the inquiry requester terminal 5. An access step 401 in which the electronic debt obligation inquiry form provided from the web page providing module 13 of (10) is downloaded and displayed in a web format; Using the sending company terminal (2) or inquiry requester terminal (5), input or modify the debt obligation inquiry form to make an inquiry form, select a customer to be sent to the inquiry form DB (32) Query writing step 402 to be stored in); An electronic signature step 403 for the sending company terminal 2 to perform an electronic signature using a cryptographic key generated by issuance of a certificate on the bond debt inquiry form selected for shipment; The bond debt inquiry is sent to the reply company terminal (3). At this time, an e-mail address of an Internet site that can be linked to the bond debt inquiry without the bond debt inquiry attached to it is sent and sent, and at the same time the DB server An e-mail sending step 404 in which the bond debt inquiry sent to the digitally signed data DB 33 of 30 is stored; After accessing the Internet site linked to the e-mail received by the replying company terminal (3), in order to load and view the bond debt inquiry, the public key generated together with the encryption key should be used when issuing the certificate. An e-mail receiving step 405 in which an authorized certification authority confirms that the public key is valid before performing an inquiry and authenticates the contents of the bond debt inquiry form by the replying company terminal 3; The replying company judges whether or not there is a coincidence or inconsistency of the debt obligations of the debtor inquiries, and in the case of inconsistency, inputs an amount or other details claimed by the replying company. A bond debt inquiry form storing step 406 stored in the inquiry form preparation contents DB 32 of 30); An electronic signature step 407 of the reply company performing an electronic signature with an encryption key on the contents of the bond debt inquiry form confirmed; An e-mail containing the reply to the debtor debt inquiry form is returned from the replying company to the sending company terminal (2) or inquiry requester terminal (5) and simultaneously to the electronically signed data DB (33) of the DB server (30). Stored e-mail reply step 408; And the validity of the public key by the authorized certification authority to view the bond debt inquiry returned by the sending company terminal 2 or the inquiry requester terminal 5, which is logged in by accessing the bond debt inquiry computer 1; After receiving the certificate, the debt debt inquiry is made to the debt debt inquiry form collection step 409 of checking or outputting the contents of the debt obligation inquiry using the public key for the cryptographic key of the replying company.

5 is a flowchart in which debt and debt inquiries are made through the user terminal according to the present invention, wherein the sending company terminal 2, the replying company terminal 3, and the inquiry requester terminal 5 are the debt debt inquiry computer 1 The process is performed through each terminal according to the type of the user in the state connected to the Internet.) To receive the inquiry service while the user terminal is connected to the bond debt inquiry computer 1 by the Internet. After the type of the user is determined, a series of inquiry processes are performed (501).

If the user is a sending company, when the user logs in to the debt obligation inquiry computer 1 (502b), the information inputted from the web server is displayed on the sending company terminal 2 in the form of a web page (503b). Input or modify the data requesting the confirmation of the debt obligations through the inquiry amount input web page (504b), and the debt obligations inquiry thus prepared is stored in the DB server 30 (505b). If you want to send the stored debt and debt inquiries, select the destination to send through the inquiry target selection and inquiry sending web page of Figure 7e and 7f (506b), and enter the password for the electronic signature on the selected debt and debt inquiries ( 507). Thereafter, the sending company terminal 2 sends a request for confirmation of the digitally signed bond debt inquiry via e-mail to the replying company terminal 3 (508), and the digitally signed bond debt inquiry is stored in the DB server 30. 509. The bond debt inquiry requested after verification of the validity of the public key validity at the accredited certification authority server (4), the contents are confirmed by reading the bond debt inquiry electronically signed through the reply company terminal (3), and confirmed After the contents are stored and electronically signed in the DB server 30, the information is returned to the sending company, and the request is made again by determining whether to resend the unanswered reply company (513), and in the returned debt obligation inquiry form. For example, the inquiry form sending webpage of FIG. 7F is confirmed, and the reply contents are checked or output using the inquiry processing server 20 (514).

If the user is a replying company, the user logs in to the debt liability inquiry computer 1 via a link of an e-mail received from the sending company terminal 2 by the mail server 40 of the debt obligation inquiry computer 1 and logs in 502c. After receiving the validity of the public key from the accredited certification authority server (4), the e-signed debt statement is viewed as a request for verification of the debt obligation (510). Whether or not is matched is entered or corrected through the reply amount input web page in FIG. 7D. Thereafter, the replying company terminal 3 inputs a password to digitally sign the bond debt inquiry form (511), and the bond debt inquiry form electronically signed is stored in the DB server 30 at the same time as the reply email is sent (512). ).

If the user is an inquiry requester, the user can input or modify an inquiry amount in the same manner as the sending company, and can directly request the inquiry company by directly selecting an inquiry target. The work flow in this case is the same as when the user is a shipping company. When the user logs in 502a to the debt obligation inquiry computer 1, the information inputted from the web server is displayed on the inquiry requester terminal 5 in the form of a web page (503a), and the inquiry amount input web page of Fig. 7C is displayed. Input or modify the data requesting confirmation of the debt obligations through (504a), and the debt obligations inquiry thus prepared is stored in the DB server 30 (505a). If you want to send the stored debt and debt inquiries, select the destination to send through the inquiry target selection and inquiry sending web page of Figure 7e and 7f (506a), and request the sender to electronic signature and sending action, the sending company The terminal 2 inputs a password for digital signature to the debtor's debt inquiry form of the customer selected by the sending company (507). Thereafter, the sender is required to confirm and reply to the debt and debt inquiries by the sender according to the same procedure as in the case where the sender is the user.

FIG. 6 is a schematic diagram of a web page displayed on a user terminal according to the present invention, and a debt debt inquiry web page (the main web page downloaded and displayed on the user terminal by the web server 10 of the debt debt inquiry computer 1); 600 and menus for a number of sub web pages. The main web page includes a basic information (610), a search amount input (620), and a inquiry form, which are menus used by a sending company terminal (2), a replying company terminal (3), or a query requester terminal (5). 630 and inquiry management 640 may be included. However, various menus having special functions may be added to the main web page or the use of some menus may be restricted for each user as necessary. The basic information menu 610 includes a customer menu 611, an account subject menu 612, a brief menu 613, and a user information menu 614 used by a sending company or a query requester. Here, the reply company may use only the user information menu 614. The inquiry amount input menu 620 includes an inquiry amount input menu 621 used by a sending company or an inquiry requester and a reply amount input menu 622 used by a reply company. The inquiry writing menu 630 includes an inquiry target selection menu 631 and an inquiry sending menu 632 used by a sending company or an inquiry requester. The inquiry management menu 640 includes a shipment list menu 641, a recovery status menu 642, an unrecovered list menu 643, and a result summary menu 644 used by a shipping company or a query requester.

Submenus that perform important functions among the listed menus shown in FIG. 6 will be described in detail with reference to a web page.

7A is a state diagram of the web page of the customer 611 of FIG. 6, which is a web page for inputting basic information of a reply company, a business name, business registration number, opening date, address, type of business, item, telephone number, fax number, When an input is made for an item such as a person in charge, an e-mail address, a job title, and the like, it is stored in the member DB 31 of the DB server 30 by the customer, the business operator, the representative name, and the region.

FIG. 7B is a state diagram of the web page of the account subject 612 of FIG. 6, and after the basic information is input, the web page may add or modify account subject information according to the inquiry division of the customer.

7C is a state diagram of the web page of the inquiry amount input 621 of FIG. 6, and inputs an inquiry request amount for each customer in the inquiry writing step 402 by the sending company terminal 2 or the inquiry requester terminal 5. This is a web page for preparing a debt receivable inquiry form for sending by inputting a summary or remarks.

FIG. 7D is a state diagram of the web page of the reply amount input 622 of FIG. 6, confirms the inquiry request contents of the bond debt inquiry form at the email receiving step 405 by the reply company terminal 3, and matches the reply amount and the reply amount. This is a web page for preparing a debt and debt inquiry form for a reply by inputting a status. When inputting the reply amount input 622 web page, a function of adding a separate comment for each item is also provided.

7E is a state diagram of the web page of the inquiry target selection 631 shown in FIG. 6, and by account, just before the digital signature step 403 of the debt obligation inquiry form prepared by the sending company terminal 2 or the inquiry requester terminal 5; This is a web page for selecting the subjects to be sent by subject or by amount. It also provides a function to check the status of a shipment after the debt obligation inquiry is sent out.

FIG. 7F is a state diagram of the web page of the inquiry form sending 632 of FIG. 6, and the electronic signature is determined through the sending company terminal 2 after determining the final destination for the sending party by the sending company terminal 2 or the inquiry requesting terminal 5. It is an electronic signature step (403), which is a web page that allows you to inquire the results by the sending status, sending form, reply status, etc. of the inquiry request in the debt collection period (409), through the results The ability to request an inquiry is also provided.

As described above, the present invention connects the debtor debt inquiry form which is the inquiry request by connecting the debtor inquiry computer providing the debt debt inquiry service to the debtor inquiry computer that provides the debt debt inquiry service. The company provided a debt and debt retrieval system that enables the company to send or receive online, thereby reducing the time and cost required to prepare a conventional inquiry request, which was written and delivered by mail. Through the inquiry result information providing module for analyzing the contents of the debt and debt inquiry returned to the inquiry processing server of the company, it is possible to efficiently manage and use the information. In addition, before the debt bond inquiry is sent and received between the user terminal, the debtor's debt inquiry is sent out by using the encryption key issued through the accredited certification authority to perform the electronic signature process according to the digital signature law, and the replying company that receives it uses the public key. In order to ensure the security of the debt and debt inquiries, it is necessary to verify the authenticity of the public key through the accredited certification authority server to ensure the truthfulness of the debt and debt inquiries. It also provides a method for receivables of debts that cannot be counterfeited, altered or denied. In addition, there is a fear of loss and hacking that may occur during the delivery process by allowing the link to send and receive the bond debt inquiry to the e-mail without sending or replying directly, and only to check or modify the bond debt inquiry computer. Provided a method of debt receivables without debt.

Claims (7)

In the system for providing information related to bonds and liabilities on request through one or more networked user terminals, A bond debt inquiry computer (1) for providing a debt debt inquiry function of a client connected to a network by using the user terminal, and having one or more servers for storing information of the debt obligation inquiry written or confirmed in the user terminal; A sending company terminal (2) connected to the bond debt inquiry computer (1) to prepare the bond debt inquiry form as required or requested, and to send an e-mail for requesting confirmation of the bond debt inquiry form to a user terminal other than itself (2). ); Connected to the bond debt inquiry computer (1) and connected to the bond debt inquiry computer (1) through the link of the e-mail received from the sending company terminal (2) to confirm and save the contents of the bond debt inquiry statement, and to send A reply company terminal 3 for replying an email for confirmation to the company terminal 2; And Connected to the bond debt inquiry computer (1) to authenticate the validity of the public key for reading the contents of the bond debt inquiry electronically signed by the sending company terminal (2) or the reply company terminal (3) Public certification authority server (4); Bond debt retrieval system, characterized in that consisting of. The method of claim 1, As a result of the investigation or audit of the financial status of the sending company connected to the debt debt inquiry computer 1, the debtor inquiry operation after requesting the sending company terminal 2 to inquire the customer's bond or debt status Claims debt retrieval system, characterized in that further comprises a query requester terminal (5) for controlling or directly inquiring them. The method according to claim 1 or 2, The debt obligation inquiry computer 1 A web server 10 for providing a debt debt inquiry form in the form of a web page on a user terminal and providing a user's authentication or email service; An inquiry processing server 20 which uses the user terminal to perform an electronic signature for the preparation of the debt obligation inquiry, management of account information, management of debt obligation information, or dispatch of the debt obligation inquiry; A DB server 30 for storing information of a customer required for the preparation of the debt obligation inquiry, information transmitted / received through the debt debt inquiry computer 1, and information such as the electronic debt signature inquiry; And A mail server 40 capable of transmitting and receiving an email requesting confirmation of the bond debt inquiry; Bond debt retrieval system, characterized in that consisting of. The method of claim 3, The web server 10 An authentication module 11 for processing registration or authentication of a user connected through the web of the Internet; A session maintenance module 12 for maintaining a connection state between the user terminal and the bond debt inquiry computer 1; And A web page providing module 13 for displaying the information provided from the bond debt inquiry computer 1 on the user terminal; Bond debt retrieval system, characterized in that consisting of. The method of claim 3, The inquiry processing server 20 is A basic information management module 21 for managing information such as accounts, account subjects, briefs, etc. necessary for the preparation of the bond debt inquiry; An inquiry amount input module 22 for inputting, modifying or storing an amount of an account subject or an account to be inquired using the sending company terminal 2 or the inquiry requester terminal 5; A reply amount input module 23 for inputting reply contents for the request for confirmation of the debt obligation inquiry form using the reply company terminal 3; An inquiry writing module 24 for preparing the bond debt inquiry that can be sent using the stored basic information; Inquiry electronic signature module 25 for making an electronic signature on the bond debt inquiry sent and received; And An inquiry result information providing module (26) for analyzing the information on the result of sending or responding to the debt obligation inquiry and providing a report; Bond debt retrieval system, characterized in that consisting of. The method of claim 3, The DB server 30 is A member DB 31 for storing information about the sending company, the replying company, or the inquiry requester; Inquiry inquiry contents DB 32 which stores contents of a debt obligation inquiry inquiry inquiry form which is prepared from the sending company, the reply company or the inquiry requester before being electronically signed; And An electronically signed data DB (33) for storing contents of the debt obligation inquiry inquiry inquiry prepared and signed by the sending company or the replying company; Bond debt retrieval system, characterized in that consisting of. In the method of producing, sending or confirming and returning the bond debt inquiry form using the bond debt inquiry system, A connection step 401 in which the debt obligation inquiry form is downloaded and displayed in a web form to the sending company terminal 2 or the inquiry requester terminal 5 which is logged in by accessing the debt debt inquiry computer 1; An inquiry writing step 402 in which the data selected for shipment after being entered or modified in the debt obligation inquiry form is stored in the inquiry writing content DB 32 of the DB server 30; An electronic signature step (403) of performing an electronic signature with an encryption key on the bond debt inquiry form selected as a replying company which is a shipping target customer; The e-mail sending step 404 is stored in the electronically signed data DB 33 of the DB server 30 at the same time the e-mail linked to the Internet site address that can confirm the bond debt inquiry to the reply company terminal (3). ; After accessing the Internet site linked to the e-mail received by the replying company terminal (3) to obtain the validity of the public key from an accredited certification institution, the public key is used to verify the bond debt inquiry. Receiving an e-mail step to confirm the content (405); A bond debt inquiry statement storage step (406), wherein the confirmed bond debt inquiry form is stored in the inquiry form preparation contents DB 32 of the DB server 30; An electronic signature step 407 of performing an electronic signature using a cryptographic key on the contents of the bond debt inquiry form confirmed; An e-mail reply step 408 in which an e-mail with the contents indicating that the bond debt inquiry is confirmed is returned and the bond debt inquiry in which the electronic signature is electronically stored in the electronic signature data DB 33 of the DB server 30; And The sending company terminal (2) or the inquiry requester terminal (5), which has received an e-mail, accesses the bond debt inquiry computer (1), logs in, and then returns to the authorized certification authority to read the bond debt inquiry form. A bond debt inquiry form collection step (409) of verifying or outputting the contents of the debt obligation inquiry form using the public key after receiving the validity of the public key; Bond debt retrieval method characterized in that consisting of.