KR20010095858A - Mobile internet loan service system and the method thereof - Google Patents
Mobile internet loan service system and the method thereof Download PDFInfo
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Abstract
본 발명은 모바일 인터넷 대출서비스 시스템 및 서비스 방법에 관한 것으로, 그 구성은 하나이상의 무선통신 단말기와, 상기 무선통신 단말기와 무선데이터 송수신이 가능한 이동통신회사서버와, 상기 이동통신회사서버와 서로 데이터 송수신이 가능하고 서비스 가입자에게 다양한 서비스를 제공하는 금융회사서버와, 상기 금융회사서버와 데이터 송수신이 가능한 은행서버와, 상기 금융회사의 대출서비스를 이용하고자 계약한 고객에 대한 개인정보, 즉 고객신상정보, 대출금액, 대출 가능금액등에 대한 데이터가 분류저장된 고객데이터베이스로 구성된 것으로서, 상기 금융회사서버는 이동통신회사서버를 통해 접수된 상기 무선통신 단말기로부터 대출신청신호에 따라 상기 은행서버를 경유하여 대출금액을 제공하는 것을 특징으로 하여, 인터넷에 접속하기 위한 인터페이스가 필요없고 단지 이동통신회사의 단말기만 있으면 본 발명에 따른 모바일 인터넷 대출 서비스를 받을 수 있는 효과가 있다.The present invention relates to a mobile Internet loan service system and a service method, the configuration of which is one or more wireless communication terminal, a mobile communication company server capable of wireless data transmission and reception with the wireless communication terminal, and the data transmission and reception with the mobile communication company server A financial company server capable of providing a variety of services to a service subscriber, a bank server capable of transmitting and receiving data with the financial company server, and personal information of a customer who has contracted to use a loan service of the financial company, that is, customer identification information. And a customer database in which data on loan amount, loan amount, etc. are classified and stored, wherein the financial company server receives the loan amount via the bank server according to the loan request signal from the wireless communication terminal received through the mobile communication company server. On the Internet, characterized in that to provide If there is no need for an interface and only a terminal of a mobile communication company, there is an effect of receiving a mobile Internet loan service according to the present invention.
Description
본 발명은 모바일 인터넷 대출 서비스 시스템 및 서비스 방법에 관한 것으로, 특히 인증기관을 통해 인증비밀번호를 부여하고 신용기관을 통해 개인의 신용상태를 확인하여 이동통신망을 통해 접속한 사용자에게 인터넷상으로 본인 확인을 하고 대출서비스를 할 수 있도록 한 모바일 인터넷 대출 서비스 시스템 및 서비스방법에 관한 것이다.The present invention relates to a mobile Internet loan service system and a service method, in particular, by providing an authentication password through a certification authority and confirming an individual's credit status through a credit institution to confirm identity on the Internet to a user connected through a mobile communication network. The present invention relates to a mobile internet lending service system and a service method for lending services.
현재 제 1 금융권 및 제 2 금융권등에서 다양한 종류의 고객 대출서비스를 시행하고 있으나, 대출방식의 대부분은 대출을 원하는 사람이 직접 금융회사를 방문하여 이루어지는 것이었다. 물론 근래에는 인터넷을 통해 대출서비스를 제공하는 방식이 시행되고 있지만, 이 또한 개인의 신용상태 확인 및 본인 확인이 번거로운 문제점이 있고, 또한 인터넷망에 접속하려면 컴퓨터등의 인터페이스를 필요로 하기 때문에 그러한 인터페이스를 이용할 수 없는 사용자는 전혀 서비스를 받을 수 없는 문제점이 있었다.Currently, various types of customer loan services are being implemented in the first financial sector and the second financial sector, but most of the loan methods are made by the person who wants to visit the financial company. Of course, in recent years, a method of providing a loan service through the Internet has been implemented, but this also has a problem in that it is cumbersome to check a person's credit status and identity, and also requires an interface such as a computer to access the Internet network. There was a problem that the user can not use the service at all.
따라서, 본 발명의 목적은 현재 다수의 이동통신회사 가입자의 단말기를 통해 신속하고 간단하게 대출서비스를 받을 수 있는 모바일 인터넷 대출 서비스 시스템 및 서비스 방법을 제공하고자 하는 것이다.Accordingly, an object of the present invention is to provide a mobile Internet loan service system and a service method that can receive a loan service quickly and simply through a plurality of mobile terminal subscriber terminals.
상기한 바와 같은 목적을 달성하기 위한 본 발명의 바람직한 일실시예에 따르면, 모바일 인터넷 대출 서비스 시스템은 하나이상의 무선통신 단말기와, 상기 무선통신 단말기와 무선데이터 송수신이 가능한 이동통신회사서버와, 상기 이동통신회사서버와 서로 데이터 송수신이 가능하고 서비스 가입자에게 다양한 서비스를 제공하는 금융회사서버와, 상기 금융회사서버와 데이터 송수신이 가능한 은행서버와, 상기 금융회사의 대출서비스를 이용하고자 계약한 고객에 대한 개인정보, 즉 고객신상정보, 대출금액, 대출 가능금액등에 대한 데이터가 분류저장된 고객데이터베이스로 구성된 것으로서, 상기 금융회사서버는 이동통신회사서버를 통해 접수된상기 무선통신 단말기로부터 대출신청신호에 따라 상기 은행서버를 경유하여 대출금액을 제공하는 것을 특징으로 한다.According to a preferred embodiment of the present invention for achieving the above object, the mobile Internet loan service system is one or more wireless communication terminal, a mobile communication company server capable of transmitting and receiving wireless data with the wireless communication terminal, the mobile For a financial company server capable of transmitting and receiving data with a telecommunication company server and providing various services to a service subscriber, a bank server capable of transmitting and receiving data with the financial company server, and a customer who has contracted to use the lending service of the financial company. It consists of a customer database that stores personal information, namely, customer identification information, loan amount, loan amount, etc., the financial company server according to the loan request signal from the wireless communication terminal received through the mobile communication company server Providing loan amount through bank server It is characterized by.
상기 모바일 인터넷 대출 서비스 시스템은 상기 무선통신 단말기에 인증비밀번호를 부여하고 상기 금융회사 서버와 연결되어 무선통신 단말기로부터의 입력된 인증비밀번호에 대한 조회서비스를 제공하는 인증기관서버를 추가로 포함하여 구성된 것을 특징으로 한다.The mobile Internet loan service system is configured to further include an authentication authority server for assigning an authentication password to the wireless communication terminal and connected with the financial company server to provide an inquiry service for the authentication password input from the wireless communication terminal. It features.
또한, 본 발명의 바람직한 일실시예에 따른 모바일 인터넷 대출 서비스 방법은 대출서비스를 원하는 특정한 개인이 자신의 단말기를 통해 무선으로 이동통신회사서버를 경유하여 금융기관서버에 접속한 후, 인증비밀번호를 입력하는 대출서비스 신청단계와, 상기 인증비밀번호를 판단하여 일치하는 경우에는 대출희망금액을 입력하는 단계와, 고객데이터베이스를 검색하여 대출신청자의 대출희망금액이 대출한도를 초과하는지 여부를 판단하는 단계와, 만약 대출한도이내인 경우에는 사용자에게 대출가능 통보를 하는 단계와, 대출희망금액을 사용자의 은행계좌에 입금하는 단계로 이루어진 것을 특징으로 한다.In addition, in the mobile Internet loan service method according to an embodiment of the present invention, a specific individual who wants a loan service accesses a financial institution server through a mobile communication company server wirelessly through his terminal and inputs an authentication password. If the loan service application step and the authentication password is determined to match the step of inputting the loan desired amount, searching the customer database to determine whether the loan applicant's loan desired amount exceeds the loan limit, If the loan limit is within the limit, the user may be informed of the possibility of loaning, and the desired amount of the loan is deposited into the user's bank account.
상기 모바일 인터넷 대출 서비스 방법은 대출요청자가 신용적격자인지를 판단하는 단계를 더 포함하고, 또한 상기 대출가능 통보단계는 대출가능 메세지를 문자 또는 음성으로 이동통신가입자에게 전송하는 것을 특징으로 한다.The mobile Internet loan service method further includes a step of determining whether the loan requester is a credit qualified person, and the loanable notification step is characterized in that to send a loanable message to the mobile subscriber by text or voice.
도 1 은 본 발명에 따른 모바일 인터넷 대출 서비스 시스템의 개략적인 구성도1 is a schematic configuration diagram of a mobile Internet loan service system according to the present invention
도 2 는 도 1 에 따른 동작흐름도이다.2 is a flow chart according to FIG. 1.
< 도면의 주요부분에 대한 부호의 설명 ><Description of Symbols for Major Parts of Drawings>
2: 무선전화 단말기 4: 이동통신회사서버2: wireless phone terminal 4: mobile operator server
6: 은행서버 8: 금융회사서버6: bank server 8: financial company server
9: 고객 데이터베이스 10: 인증기관서버9: Customer Database 10: Certificate Authority Server
12: 신용기관서버12: credit institution server
상술한 목적 및 기타의 목적과 본 발명의 특징 및 이점은 첨부도면과 관련한 다음의 상세한 설명을 통해 보다 분명해질 것이다.The above and other objects and features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings.
도 1 은 본 발명의 일실시예에 따른 모바일 인터넷 대출 서비스 시스템의 개략적인 구성도로서, 이에 도시한 바와 같이, 참조부호 2 는 후술하는 공인인증기관 서버로부터 인증을 받은, 즉 본인임을 확인할 수 있는 인증비밀번호로서의 고객 ID 및 패스워드가 부여된 무선통신 단말기를 나타낸다. 참조부호 4는 상기 무선통신 단말기(2)의 사용자가 가입된 이동통신회사서버를 나타낸 것이다.1 is a schematic configuration diagram of a mobile Internet loan service system according to an embodiment of the present invention. As shown in FIG. 1, reference numeral 2 is authenticated from an accredited certification authority server which will be described later, that is, it can be confirmed that the user. A wireless communication terminal to which a customer ID and a password as an authentication password are given. Reference numeral 4 denotes a mobile communication company server to which the user of the wireless communication terminal 2 is subscribed.
참조부호 6은 상기 사용자의 계좌가 개설된 은행서버를 나타낸다.Reference numeral 6 denotes a bank server in which the user's account is opened.
참조부호 8은 금융회사서버를 나타낸 것으로서, 상기 이동통신회사서버(4)와 인터넷망(도시안됨)을 통해 서로 각종 데이터를 송수신할 수 있다. 상기 금융회사서버(8)는 다양한 대출상품을 제공하며, 대출 서비스를 원하는 개인과 대출상품의 계약을 체결하는데, 예를 들면, 100만원 이내에서 마음대로 쓸 수 있도록 하는 한도계약을 체결할 수도 있다. 만약 휴대폰 신규가입자를 대상으로 대출서비스 계약서를 작성할 경우에는 공인인증신청서와 대출계약서를 같이 작성하도록 하거나, 기존의 휴대폰 계약자중 대출서비스를 이용을 희망하는 사람에게는 공인인증신청서를 작성토록한다. 상기 공인인증신청서 작성과정은 ID 및 패스워드의 부여를 위한 과정이다.Reference numeral 8 denotes a financial company server, which can transmit and receive various data to and from the mobile communication company server 4 and the Internet (not shown). The financial company server 8 provides a variety of loan products, and enter into a contract of a loan product with an individual who wants a loan service, for example, may enter into a limit contract that can be used at will within one million won. If you are writing a loan service contract for new mobile phone subscribers, you should fill out the loan certificate together with the accredited certification application. Or, if you want to use the loan service among existing cell phone contractors, you should fill out the accreditation certificate application. The process of preparing the accredited certification application is a process for granting ID and password.
상기 금융회사서버(8)는 은행망(도시안됨)을 통해 대출을 요청한 개인에게 대출금을 입금할 수 있다.The financial company server 8 may deposit a loan to an individual who requested a loan through a bank network (not shown).
참조부호 9는 고객 데이터 베이스를 나타낸 것으로서, 상기 금융회사(8)의 대출서비스를 이용하고자 계약한 고객에 대한 개인정보, 즉 고객신상정보, 대출금액, 대출 가능금액등에 대한 데이터가 분류저장 된다.Reference numeral 9 denotes a customer database, in which the personal information of the customer who has contracted to use the loan service of the financial company 8, that is, the customer's personal information, the loan amount, the loan amount, and the like are classified and stored.
참조부호 10은 대출서비스를 이용하는 고객의 ID 및 비밀번호를 인증및 저장하는 인증기관서버를 나타낸 것으로서, 상기 인증기능은 본인확인신호를 출력하는 것이며, 이는 상기 금융기관서버(8)로부터 전송된 개인 ID 및 비밀번호에 대한 일종의 조회서비스를 제공하는 것이다.Reference numeral 10 denotes a certification authority server for authenticating and storing an ID and a password of a customer who uses a loan service. The authentication function outputs a personal identification signal, which is a personal ID transmitted from the financial institution server 8. And it provides a kind of inquiry service for the password.
참조부호 12는 특정한 개인에 대한 신용도를 판단하여 대출 적격자인지 부적격자인지를 확인해주기 위한 신용기관서버를 나타낸다.Reference numeral 12 denotes a credit institution server for determining whether the loan is eligible or ineligible by determining the creditworthiness of a specific individual.
도 2 는 도 1 에 따른 동작흐름도로서, 이에 도시한 바와 같이, 대출서비스를 원하는 특정한 개인이 자신의 이동통신 단말기(2)를 통해 무선으로 이동통신회사서버(4)를 거쳐 금융회사의 웹사이트(도시안됨)에 접속한다(단계 S2). 상기 이동통신 단말기(2)는 핸드폰, PCS, IMT 2000, 삐삐등 통상의 무선단말기 모두를 포함한다. 이후 상기 웹사이트에서 대출서비스메뉴를 선택한 후, 본인 확인을 위한 인증비밀번호를 입력하는 대출서비스 신청단계를 진행한다(단계 S4). 이때 이통통신회사는 본 서비스를 제공하는 금융회사와 사전협의를 통해 이동통신회사서버(4)내에 금융기관서버와 연결되는 메뉴를 설정해 놓을 수 있다. 이후 금융회사서버(8)는 상기 이동통신회사서버(4)로부터 전송받은 사용자의 인증비밀번호를 인증기관서버(10)에 전송하여 대출을 요청한 사용자의 인증비밀번호가 인증기관이 부여한 해당자의 인증비밀번호와 일치하는지를 판단하여(단계 S6), 만약 서로 일치하지 않는 경우에는 상기 대출요청자에게 대출이 불가하다는 내용의 통보를 상기 이동통신회사서버(4)를 통해 문자 또는 음성메시지로 통보할 수 있다. 상기 단계 S6에서 인증비밀번호가 일치한다는 본인 확인신호를 수신한 사용자는 이후 단계 S7에서 대출희망금액을 입력한다. 이후 단계 S8에서 대출요청자가 신용적격자인지를 판단한다. 이 과정은 초기 대출요청자에 대한 인적사항을 신용기관서버(12)에 전송하여 확인한다. 만약 신용부적격자인 경우에는 상기와 마찬가지로 대출요청자에게 해당메시지를 통보한다. 만약 신용적격자인 경우에는 대출요청자가 대출한도를 초과했는지를 판단한다(단계 S10). 만약 대출한도를 초과한 경우에는 대출요청자에게 해당메시지를 통보한다. 만약 대출한도이내인 경우에는 상기 금융회사서버(10)는 이동통신회사서버(4)를 통해 사용자에게 대출가능하다는 통보를 문자 또는 음성메시지로 하고(단계 S12), 이후 대출금을 은행망(도시안됨)을 통해 초기 계약당시에 기입한 사용자의 은행계좌에 대출금액을 입금한다(단계 S14). 대출요청자는 은행에서 대출금을 출금할 수 있다.FIG. 2 is a flowchart of the operation according to FIG. 1, as shown in FIG. 1, in which a particular individual wanting a loan service passes through a mobile communication company server 4 wirelessly through his mobile communication terminal 2 and then to a website of a financial company. (Not shown) (step S2). The mobile communication terminal 2 includes all conventional wireless terminals such as a mobile phone, a PCS, an IMT 2000, and a beep. After selecting the loan service menu on the website, and proceeds to the loan service application step of inputting the authentication password for identity verification (step S4). At this time, the telecommunications company may set a menu connected to the financial institution server in the mobile communication company server 4 through prior consultation with the financial company providing the service. Thereafter, the financial company server 8 transmits the authentication password of the user received from the mobile communication company server 4 to the certification authority server 10 so that the authentication password of the user who requested the loan is assigned to the authentication password of the corresponding person assigned by the certification authority. If it is determined that the match (step S6), if it does not match with each other, the loan requester can be notified by a text or voice message through the mobile communication company server 4 that the loan is not possible. In step S6, the user who receives the identification signal indicating that the authentication password matches, then inputs the loan desired amount in step S7. In step S8, it is determined whether the loan requester is a credit qualified person. This process confirms the personal information of the initial loan requester by sending it to the credit institution server 12. If you are ineligible for credit, the loan requester will be notified of the message. If the credit is eligible, it is determined whether the loan requester has exceeded the loan limit (step S10). If the loan limit is exceeded, the loan requester is notified of the message. If it is within the loan limit, the financial company server 10 notifies the user that the loan is possible through the mobile communication company server 4 as a text or voice message (step S12), after which the loan is banked (not shown). The amount of the loan is deposited in the user's bank account, which was filled out at the time of the initial contract (). The loan requester can withdraw the loan from the bank.
상기 실시예에서 사용자 즉 대출요청자는 본인 확인을 위한 인증비밀번호입력과 대출신청을 동시에 하고 이를 수신한 이동통신회사서버(4)가 각기 금융회사서버(8)와 공인된 인증기관서버(10)와 데이터를 송신하여 사용자에게 통보할 수도 있다.In the above embodiment, the user, that is, the loan requester, simultaneously inputs an authentication password for identification and a loan application, and receives the mobile communication company server 4 from the financial company server 8 and the authorized certification authority server 10, respectively. Data can also be sent to the user.
이상에서 설명한 바와 같이, 본 발명에 따른 모바일 인터넷 대출 서비스 시스템에 따르면, 이동통신 가입자에게 금융회사서버가 인터넷상으로 대출요건을 확인하고 대출서비스를 할 수 있기 때문에 대출서비스시간이 단축되는 효과가 있다. 즉, 인터넷에 접속하기 위한 인터페이스가 필요없고 단지 이동통신회사와 무선연결이 가능한 단말기만 있으면 본 발명에 따른 모바일 인터넷 대출 서비스를 받을 수있는 효과가 있다.As described above, according to the mobile Internet loan service system according to the present invention, the lending service time is shortened because the financial company server can check the loan requirement and provide a loan service to the mobile subscriber. . In other words, if there is no need for an interface for accessing the Internet and only a terminal capable of wireless connection with a mobile communication company, there is an effect of receiving a mobile Internet loan service according to the present invention.
아울러 본 발명의 바람직한 실시예는 예시의 목적을 위해 개시된 것이며, 당업자라면 본 발명의 사상과 범위 안에서 다양한 수정, 변경, 부가 등이 가능할 것이며, 이러한 수정 변경 등은 이하의 특허청구의 범위에 속하는 것으로 보아야 할 것이다.In addition, the preferred embodiment of the present invention is disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the following claims You will have to look.
Claims (7)
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| KR1020000019304A KR20010095858A (en) | 2000-04-12 | 2000-04-12 | Mobile internet loan service system and the method thereof |
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| KR1020000019304A KR20010095858A (en) | 2000-04-12 | 2000-04-12 | Mobile internet loan service system and the method thereof |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| KR20020022635A (en) * | 2001-12-11 | 2002-03-27 | 박종대 | Loaning method using an internet |
| KR20020066497A (en) * | 2001-02-12 | 2002-08-19 | 이지용 | a lending method of on-line's cyber account used for a surtax- information of movile |
| KR20040012138A (en) * | 2002-08-01 | 2004-02-11 | 삼성캐피탈 주식회사 | Personal authentication method in the internet and loan method and system using the same |
| KR100445753B1 (en) * | 2002-11-19 | 2004-08-25 | 임명수 | Method for lending and settling money by using a portable terminal and method therof |
| KR20170129079A (en) | 2017-11-13 | 2017-11-24 | 나이스신용정보 주식회사 | Method for providing mobile receipt service for contract |
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| KR20000012472A (en) * | 1999-12-07 | 2000-03-06 | 이영기 | Portable banking apparatus using mobile network |
| KR20000037108A (en) * | 2000-04-07 | 2000-07-05 | 양동혁 | The method of dealing with financial institutions and its system using cellular phone |
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| US5025373A (en) * | 1988-06-30 | 1991-06-18 | Jml Communications, Inc. | Portable personal-banking system |
| US5796832A (en) * | 1995-11-13 | 1998-08-18 | Transaction Technology, Inc. | Wireless transaction and information system |
| KR20000012472A (en) * | 1999-12-07 | 2000-03-06 | 이영기 | Portable banking apparatus using mobile network |
| KR20010076075A (en) * | 2000-01-25 | 2001-08-11 | 구자홍 | Radio mobile banking terminal and its management system |
| KR20000037108A (en) * | 2000-04-07 | 2000-07-05 | 양동혁 | The method of dealing with financial institutions and its system using cellular phone |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| KR20020066497A (en) * | 2001-02-12 | 2002-08-19 | 이지용 | a lending method of on-line's cyber account used for a surtax- information of movile |
| KR20020022635A (en) * | 2001-12-11 | 2002-03-27 | 박종대 | Loaning method using an internet |
| KR20040012138A (en) * | 2002-08-01 | 2004-02-11 | 삼성캐피탈 주식회사 | Personal authentication method in the internet and loan method and system using the same |
| KR100445753B1 (en) * | 2002-11-19 | 2004-08-25 | 임명수 | Method for lending and settling money by using a portable terminal and method therof |
| KR20170129079A (en) | 2017-11-13 | 2017-11-24 | 나이스신용정보 주식회사 | Method for providing mobile receipt service for contract |
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