KR20090029251A - Loan Processing Relay Server - Google Patents

Abstract

The present invention relates to a loan processing relay server, comprising: information checking means for confirming sales of tangible / intangible goods in at least one distributor (or distributor), and based on the confirmed sales of goods; After setting the information calculating means for calculating the sales commission for each distribution retailer (or distribution agency) corresponding to the product sales performance and all or a part of the calculated sales commission as collateral, the distribution retailer (or distribution agency) is set up by a predetermined financial company server. L) requesting a loan and depositing a loan application and a provision for depositing the loan to the financial institution server using a portion or all of the loan application amount as a provision.

Description

Loan Processing Relay Server

1 is a diagram illustrating an agency loan processing system in which a relay processing server provides a loan service to an agency server according to an exemplary embodiment of the present invention.

2 is a view showing a simple configuration of a relay management server and a storage medium according to an embodiment of the present invention.

3 is a view showing a simple configuration of a relay processing server and a storage medium according to an embodiment of the present invention.

4 is a view showing a simple configuration of a loan processing server and a storage medium according to an embodiment of the present invention.

5 is a diagram illustrating a process of processing sales information between a large telecommunication company server and a relay management server according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a process of processing sales information between a large telecommunication company server and a relay management server according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing sales information between a large telecommunication company server and a relay management server according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to an embodiment of the present invention.

11 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a process additionally occurring in the process of processing the loan information presented according to another embodiment of the present invention.

13 is a diagram illustrating a process of processing a loan repayment according to an embodiment of the present invention.

14 is a diagram illustrating a process of processing loan repayment according to another embodiment of the present invention.

15 is a diagram illustrating a process of processing loan repayment according to another embodiment of the present invention.

 <Explanation of symbols for the main parts of the drawings>

100: relay processing server 105: relay management server

110: large carrier server 120: loan processing server

The present invention provides information checking means for confirming sales of tangible / intangible goods in at least one retail store (or distributor), and a distribution store corresponding to the sales of goods, based on the confirmed sales of goods. After setting the information calculating means for calculating the sales commission for each (or distributor) and all or part of the calculated sales commission as collateral, requesting a loan to the distributor or distributor (or distributor) from a predetermined financial company server, It relates to a loan processing relay server including a loan application and a provision deposit means for depositing the loan application amount to all or part of the loan application amount to the financial institution server.

Most agencies that sell goods of large carriers receive payments from the large carriers about 45 to 60 days after the sale of goods, which makes them difficult for cash distribution. The distribution structure between such large telecommunications companies and distributors has not been improved at all.

Most of the distributors who have difficulty in cash distribution due to the unfair distribution structure between the large telecommunications companies and their agents are distributing cash such as trade receivables or discounting the bills. Cause problems.

SUMMARY OF THE INVENTION An object of the present invention is to respond to the merchandise sales results on the basis of information verification means for confirming merchandise / intangible merchandise sales results in at least one distribution shop (or distribution agency) and the confirmed merchandise sales results. After setting the information calculating means for calculating the selling fee for each distribution store (or distribution agent) and all or part of the calculated sales fee as collateral, a loan to the distribution store (or distribution agent) is made to a predetermined financial company server. And requesting, and providing a loan processing relay server including a loan application and a reserve deposit means for depositing the loan application amount in whole or in part to the financial institution server.

Loan processing relay server according to the present invention, on the basis of the information confirmation means for confirming the sales results of tangible / intangible goods in at least one distributor (or distributor), and the product sales results confirmed, After setting the information calculating means for calculating the sales commission for each distribution retailer (or distribution agency) corresponding to the sales performance and all or part of the calculated sales commission as collateral, the distribution retailer (or distribution agency) is set up with a predetermined financial company server. And a loan application and a reserve deposit means for requesting a loan to the bank and depositing it in the financial company server as a provision for all or part of the loan application amount.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted.

In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to the intention or convention of a user or an operator.

Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is usually provided in the technical field to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an agency loan processing system in which a relay processing server provides a loan service to an agency server according to an exemplary embodiment of the present invention.

In more detail, in FIG. 1, a predetermined relay management server 105 is not a method in which a predetermined relay form is provided directly to a financial system to receive a loan service. Request a loan service through the transmission process, and the relay processing server 100 checks the loan service request of the relay management server 105 and then the relay management server 105 from the storage medium included in the relay management server 105. The sales information and the receivable information of the interworking between storage media including screen scraping (Screen scraping), or receiving the sales information and receivable information from the relay management server 105 to determine the authenticity, With the determined sales information and the accounts receivable information, the relay processing server 100 sends the loan management server 120 on behalf of the relay management server 105 to the loan processing server 120 associated with the financial system. By setting up a security collateral and requesting the provision of a loan service, the loan processing server 120 provides a loan service directly to the relay management server 105 or by providing a loan service to the relay processing server 100. When the relay management server 105 is provided with the loan service via the relay processing server 100, and after the repayment of the trade receivable is made from the large communication company server, the relay management server 105 directly processes the loan. Loan repayment to the server 120 or loan repayment to the relay processing server 100 to repay the loan to the loan processing server 120 via the relay processing server 100, or When the large telecommunications company pays the trade receivables, the large telecommunications company substitutes the loan of the relay management server 105 to the loan processing server 120. As a system configuration for repayment and reimbursement for providing the loan amount to the relay management server 105, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. It will be possible to infer a variety of implementation method for the configuration of the dealer loan processing system using the interworking between various storage media or servers, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

Hereinafter, the sales information is sold when a predetermined product is sold through a predetermined information registration interface displayed on the dealer terminal in the dealer loan processing system shown in FIG. 1 or by a customer's purchase agreement through a telemarketer. The component corresponding to at least one or more means or functional configuration for generating and processing the sales information by input is referred to as &quot; relay management server 105 &quot; for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, for the agent loan processing according to the present invention, the relay processing server through various information registration terminals 125 including an on-line agency terminal, a telephone, or the like. Make a loan request for providing the loan service to 100, and the relay processing server 100 checks the loan request to determine and confirm the authenticity of the sales related information generated through the dealer terminal or a telemarketer. Extract sales information and receivable information from the storage medium of the relay management server 105, or receive the sales information and the receivable information provided by the relay management server 105, or with the large communication company Revenue information and receivables from the storage medium of the relay management server 105 that requested a loan from the large telecommunications company under the agreement of To receive or extract, or receive sales information and accounts receivable information, in which the large carrier provided in consultation with the large carrier beams is preferred.

Here, the information registration terminal 125 preferably comprises a terminal device such as a PC, a PDA, a notebook computer, and a telemarketer, and the relay management server 105 connected to the information registration terminal 125. Is preferably configured to be included together with the large communication server server 110 and the relay processing server 100 on a predetermined network.

In the dealer loan processing system as described above, an application form prepared by the dealer customer and a terminal of a dealer terminal and a telemarketer used by the dealer employee are interfaces for generating and inputting sales information stored in the relay management server 105. Performs the function of.

The financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) provided in at least one external communication network Access to the financial system from, or at least one ball It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the network (for example, CD common network, financial common network), the financial system is also the middleware that provides the interface between components in the financial system ( Middleware) and at least one interface module corresponding to the platform and at least one of storing and managing predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising the above database.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment banking module (omitted), international module (omitted), and those skilled in the art to which the present invention belongs, Since the technical details of the system will be understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that a detailed description thereof will be omitted for convenience.

The loan processing server 120 provided on the agency loan processing system according to the present invention is a generic term for the financial system side components connected through a predetermined financial network, and includes at least one server (or device). And / or at least one program recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

The large telecommunications company server 110 is connected between the network and the financial network, and counts the sales per agency of the relay management server 105 received through the network to identify, maintain, and manage the total sales, Providing sales goods to each dealership, generating receivables information on the issuance of agency sales receivables for each of the relay management server 105, storing them in a storage medium, and then providing the receivable information to the relay management server 105. When the payment is performed with reference to the bond information, the large communication company server 110 generates the payment information and stores the information in a storage medium, and then links with the relay management server 105 or interlocks the screen to include screen scraping. Characterized in that for processing and managing the sales revenue distribution based on the sales information and the receivables information matching with the relay management server 105, When the agreement with 100 is concluded, the loan application amount information stored in the storage medium of the relay processing server 100 is checked and connected to the loan processing server 120 through a financial network. On behalf of the relay management server 105, the loan processing server 120 can perform the loan repayment directly.

According to the method of the present invention, the large communication company server 110 aggregates the sales of the entire relay management server 105 which provides the service or goods of the large communication company and processes the sales, and the relay management server 105 By providing product information, managing total sales of the relay management server 105, issuing a receivable for the relay management server 105 that generated the sales, and providing sales proceeds for each period to the sales bond. Characterized in that the payment for the payment, and the storage medium of the large carrier server 110, the total relay management server 105 information for providing services or goods of the large carrier and processing the sales, and the relay management server ( Sales information of the entire dealership that is generated and provided by 105, and sales issued by the large communication company server 110 to the relay management server 105 that generated the sales. Accounts receivable information for the volume, and characterized in that it comprises a payment information recorded whether payment fulfillment for the accounts receivable.

In addition, according to an embodiment of the present invention, the large communication company server 110 checks the customer information included in the sales information transmitted by the relay management server 105 in which the sales occurred, in the large communication company server 110 It is made by additionally generating and sending a callback SMS (Callback Small Message Service) to the customer related to the direct merchandise sales, checking the customer's response through the reply SMS to the callback SMS, and then updating the sales information. It is done.

Hereinafter, the reply SMS to the callback SMS that the customer receiving the callback SMS receives from the portable wireless terminal or the wired terminal and transmits the callback SMS to the relay management server 105 is called a "callback reply SMS" for convenience.

The agency information stored in the storage medium of the large telecommunication company server 110 is a distributor area address, a distributor contact information, a distributor server address, an agency server identification ID owned by each agent that provides services or products of the large telecommunication company. ), And may be basically provided with a distributor server PW (Password), when the agreement between the relay management server 105, the relay processing server 100, or the large communication company server 110 is concluded. The agency information stored in the storage medium of the large communication company server 110 may be provided by adding the loan application amount information of the relay management server 105.

According to an embodiment of the present invention, the loan application amount information provided and stored in the storage medium of the large telecommunications company server 110, the large telecommunications company server 110 reimbursement of the receivables for the relay management server 105 When performing the operation, the large communication company server 110 pays the total sales proceeds for each period to the relay management server 105 to repay the sales bond, or the large communication company server 110 manages the relay. Refer to the loan application amount information of the server 105 to perform the loan repayment of the relay management server 105 directly to the loan processing server 120 through the financial network, and limit the repayment of the loan and the remaining sales proceeds to the relay management The number of sales per period of the relay management server 105 provided to the server 105 to perform reimbursement of the accounts receivable, or to the relay processing server 100 through a network. Pay the proceeds in full and pay the receivables through the relay processing server 100 or pay the loan to the relay processing server 100 through a network and limit the loan payment. It is characterized in that it is used to enable the payment to the relay management server 105 to perform the reimbursement for the trade receivables.

The sales information stored in the storage medium of the large telecommunication company server 110 is the total sales information in which information related to the sales generated in each agency that receives the service or product of the large telecommunication company is aggregated. The relay management server 105 In accordance with the same configuration as the sales information generated in the sales generation agency ID, sales processing staff, sales products, sales generation time, the purchase customer information can be basically provided, the sales information is the relay management server 105 ) Is used as basic information for generating a sales receivable to be paid to the relay management server 105 to transmit.

In addition, according to an embodiment of the present invention, when the agreement between the relay management server 105, the relay processing server 100, or the large communication company server 110 of the large communication company server 110 The sales information stored in the storage medium may be used as a basic element to be referred to in order to generate loan application information in the relay processing server 100, and the large communication company server 110 may be externally connected through the network. The relay processing server 100 may access the communication company server 110 to extract the sales information, or the large communication company server 110 may directly extract the sales information and provide the relay information to the relay processing server 100. It is characterized by being used.

The reimbursement information stored in the storage medium of the large telecommunication company server 110 is information corresponding to the receivables information paid by the large telecommunication company server 110 to the relay management server 105, each of the relay management server The large-size telecommunication company server 110 for the sales generated during the specific period at 105, the sales receivable maturity for the receivables issued in bills instead of the sales proceeds to be paid to the relay management server 105 for the large size of the sales receivables; When the telecommunication company server 110 pays the sales proceeds corresponding to the trade receivable recorded in the trade receivable information to the relay management server 105 to perform the reimbursement, the large telecommunication company side generates the business account with reference to the trade receivable information. The large telecommunication company server 110 or the relay management server 105 may perform the reimbursement information for the purpose of reimbursement for the purpose of accounting reports or settlement of accounts for each period. Characterized in that it is used as evidence.

The receivables information stored in the storage medium of the large telecommunications company server 110 is information on the total receivables, the total receivables provided by the large telecommunications company server 110 to each of the relay management server 105 as information. The receivable information includes the ID of each relay management server 105 that owns the receivable, the expiration date of the receivable, the amount of the receivable, and whether to reimburse the receivable.

In addition, according to an embodiment of the present invention, when the agreement between the relay management server 105, the relay processing server 100, or the large communication company server 110 of the large communication company server 110 The accounts receivable information stored in the storage medium may be used as a basic element that should be referred to in order to generate loan application information in the relay processing server 100, and the large communication company server 110 may receive the The relay processing server 100 connected to the large telecommunication company server 110 may extract the receivables information, or the large telecommunication company server 110 may directly extract the trade receivable information to the relay processing server 100. It is characterized by being used to provide.

The large telecommunication company server 110 provided on the dealer loan processing system according to the present invention is implemented by including at least one or more servers (or devices), and / or on a recording medium provided in a predetermined server (or device). At least one program to be recorded may be implemented, and the present invention is not limited thereto.

According to an embodiment of the present invention, the relay management server 105 is connected between the network and the financial network to process the merchandise sales input through the agency terminal on the network network, and generates sales information to generate the relay management. It is stored in the storage medium of the server 105, and manages sales information for each period including daily, weekly, monthly, yearly, customer information about the customer that generated the sales, the loan processing server 120 through the financial network The relay management server 105 may be connected to the loan processing server 120 to directly repay the loan.

According to an exemplary embodiment of the present invention, when a product sales through a telemarketer or a product sales received through a dealership is input through the information registration terminal 125, information about the product sales is inputted to an information registration terminal ( When it is received through the interface displayed in step 125 and transmitted to the relay management server 105 implemented on the network, the relay management server 105 processes the generated product sales together with the customer information as the sales information to manage the relay. It stores in the storage medium of the server 105, and transmits the sales information to the large communication company server (110).

In addition, according to an exemplary embodiment of the present invention, the relay management server 105 generates a callback SMS to purchase a product for the purpose of customer confirmation and customer management of the product sales when the product sales occur, or The callback SMS is sent to the customer who has subscribed to the service through the network, and the product has been purchased through a channel such as a telemarketer or a dealer visit, or the callback is transmitted to the portable wireless terminal of the customer who has subscribed to the service. Upon confirming the SMS, the callback SMS confirmed by the customer is converted into a callback reply SMS and transmitted to the relay management server 105 through the network, so that the relay management server 105 sends the callback reply SMS to the sales information. It is characterized in that it is stored in the storage medium of the relay management server 105 after processing.

According to an embodiment of the present invention, the callback reply SMS sent by the customer related to merchandise sales and received by the relay management server 105 is generated and processed by the relay management server 105 for customer management purposes. In addition to storing in the storage medium of the relay management server 105, the relay processing server 100 is relayed for the purpose of utilizing the relay processing server 100 as a means for confirming the authenticity of the sales of the agency goods. The relay management server 105 may be connected to the management server 105 and used as a means for extracting by screen scraping or as a means for checking the authenticity of the sales of the dealer product of the relay processing server 100. ) Provides the callback reply SMS to the relay processing server 100.

According to an exemplary embodiment of the present invention, the relay processing server 100 is connected between a network and a financial network, and receives the loan request from the relay management server 105 through the network network. 100) extracts the receivables information and sales information from the relay management server 105 to set up the guarantee collateral for processing the loan request, confirms the authenticity as collateral, and generates the guarantee collateral and guarantee collateral information Next, the loan processing server 120 is connected to the loan processing server 120 through the financial network on behalf of the relay management server 105 to present the guarantee collateral information and guarantee collateral and the loan service provided by the loan service It is characterized in that provided to the management server 105.

According to the exemplary embodiment of the present invention, the relay processing server 100 receiving the loan request from the relay management server 105 through a network checks the loan request of the relay management server 105 and then reseller loan service. Through the use agreement of the relay management server 105, the relay processing server 100 is connected to the storage media through the interworking between the storage media including screen scraping (Screen scraping) dealer information, sales information, receivables Extract information, or the relay management server 105 receives the agency information, sales information, and receivables information extracted from the storage medium of the relay management server 105 to the relay processing server 100; In setting the sales information and the accounts receivable information as collateral, the authenticity of product sales is determined by using a callback reply SMS included in the sales information. When the receivable information is determined to be valid based on the sales information, the relay processing server 100 secures the receivable information including the receivables on behalf of the relay management server 105 as collateral. It generates and sets the guarantee collateral and guarantee collateral information to be presented to the processing server 120, and to present to the loan processing server 120 through the financial network.

In addition, according to an embodiment of the present invention, the relay processing server 100 presents the loan application information with the guarantee collateral information to the loan processing server 120, the loan service provided by the loan processing server 120 Can be directly provided to the relay management server 105 through a financial network, or the relay processing server 100 is provided with a loan service provided by the loan processing server 120 through a financial network to manage the relay. Characterized in that it can be transmitted to the server 105, and in the process of providing the loan service, the relay processing server 100 matches one loan application amount information with the loan application information, and the relay process The server 100 is the large communication company server 110 to directly repay the trade receivables to the relay management server 105, or with the relay processing server 100, In response to the loan processing server 120 and the relay management server 105, the large communication company server 110 indirectly receives the trade receivables from the relay management server 105 via the relay processing server 100. Or, the large communication company server 110 on behalf of the relay processing server 100 or the relay management server 105 to the loan processing server 120 to perform the repayment of the loan and the remaining amount of the relay When indirectly performing the reimbursement for the accounts receivable by paying to the management server 105, the relay processing server 100 is reimbursement for the reimbursement paid to the relay management server 105, that is, the original sales proceeds In the above-mentioned various methods in the loan repayment can be requested to the relay management server 105 to perform, and when the loan repayment is implemented, the relay processing server 100 The guarantee collateral and the guarantee collateral information presented to the processing server 120 may delete the ledger information of the financial system or the provision set in the loan processing server 120 when the form of the guarantee collateral information is a provision. When the transaction is terminated, or when the form of the guarantee collateral information is a deposit, the loan item of the financial system is deleted along with the deposit provided by deleting the ledger information of the financial system or the deposit item booked on the loan processing server 120. Characterized in that the fee for the sale can be returned.

For reference, according to another embodiment of the present invention, in the guarantee collateral information presentation, the loan processing server 120 may set a limited security deposit or allowance for the sale of the loan product, or the relay management server When the loan payment to be paid by the loan service is not specified in 105, the account receivable information may be extracted from the relay management server 105 in conjunction with the loan processing server 120 in a linkage including a screen scraping method or the relay may be performed. It is characterized in that the loan service of an appropriate level corresponding to the receivables information provided by the management server 105 can be presented to the relay management server 105 or selected and provided on behalf of the relay management server 105. .

According to the present invention, the loan processing server 120 checks the loan application information transmitted by the relay processing server 100 connected to the loan processing server 120 through a financial network to the relay processing server 100. To the loan processing server 120 through the financial network through the large communication company server 110 or the relay management server 105 or through the relay processing server 100. When the loan payment is repaid to the loan processing server 120, the loan processing server 100 may provide a loan product selling fee.

According to the present invention, the loan processing server is provided in a state associated with the financial system and indirectly through the relay processing server 100 through the financial network or directly to the relay management server 105. Provide a service, or the loan processing server is provided inside the financial system to provide a loan service indirectly through the relay processing server 100 through the financial network or directly to the relay management server 105. It can be characterized by.

2 is a view showing a simple configuration of a relay management server and a storage medium according to an embodiment of the present invention.

In more detail, Figure 2 is a diagram showing in detail the agency loan the relay management server 105 of the present invention shown in Figure 1, the relay management server 105 through a network through a predetermined procedure Input information about the received product sales is processed together with customer information and information such as sales products to generate the sales information, and then stored in the storage medium of the relay management server 105 or transmitted through the network. The relay management server 105 stores the received product information, account receivable information, agency information, and the like in a storage medium of the relay management server 105, and transmits the generated sales information to the large communication company server 110 to schedule a schedule. Characterized in that it receives the receivables and receivables information corresponding to the sales information accumulated during the period, the person having ordinary knowledge in the technical field belonging to the present invention If it is possible to infer the various functional components of the relay management server 105 included in the dealer loan processing system by referring to or modifying this figure 2, the technical features of the present invention is not limited to this figure 2, It is to be understood that the inference includes all implementation methods.

In addition, according to an embodiment of the present invention, the agency loan management server generates a loan request and transmits it to the relay processing server 100, the relay processing server 100 is connected to the relay management server 105 Allow to extract sales information or accounts receivable information through interworking between storage media 235 including screen scraping from the storage media of the relay management server 105, or to the relay processing server 100. The sales information and the accounts receivable information are provided, and the loan service is directly received from the loan processing server 120 or the loan service is provided through the relay processing server 100.

According to the present invention, the relay management server 105 is connected to the information registration terminal 125 shown in Figure 2, the interface unit showing a screen for inputting the product sales-related information to the information registration terminal 125 ( 200), the interface providing unit 205 for constructing and generating the screen shown in the interface unit 200 and providing it to the interface unit 200, product information delivered through a network or a financial network, account receivable information, and the like. Revenue processing unit for processing and generating the sales information, including the sales information received through the information receiving unit 210, the information registration terminal 125, that is, customer information, sales product information, etc. 225), the sales information processed and generated by the sales processor 225, the receiver receives the product information received through the network, receivables information, the self-updated with the large communication company The information storage unit 220 for storing the agency information in the storage medium of the relay management server 105, the product information, sales information, sales receivable information, agency information stored in the storage medium of the relay management server 105 is extracted The information extracting unit 215, the product information extracted from the information extracting unit 215, the sales information, the receivables information, and the agency information are checked and transmitted to the large communication company server 110 or the relay processing. It is characterized by comprising an information transmitter 230 for transmitting to the server 100.

The interface unit 200 may be connected to the relay management server 105 for product information on a product sold through a dealership or through a telemarketer, and customer information on a customer who generated the product sales. The user terminal which can be input by the registration terminal 125 and has a predetermined form for the input information is displayed on the information registration terminal 125 so as to display the user screen which can be understood by the agent.

According to an embodiment of the present invention, the interface unit 200 functions as an output unit for displaying the user screen received from the interface providing unit 205 on the information registration terminal 125. Preferably, any terminal may output the same user screen and display an independent input window so that the information receiving unit 210 receives and confirms information input through the user screen.

The interface providing unit 205 is provided in the information registration terminal 125 after a predetermined information registration terminal 125 connects a communication channel with the relay management server 105 through the interface unit 200. In response to a functional configuration, the user may input (or select) the merchandise sales related information and generate a predetermined user interface through the financial network to the loan processing server, or the storage medium 235 of the relay management server 105. And extract the generated user interface to the information registration terminal 125 through the network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) merchandise sales related information to the information registration terminal 125 and transmitting it to the relay management server 105 through the network is provided. When a predetermined information registration program is provided, the interface providing unit 205 for providing the user interface to the information registration terminal 125 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 125 inputs product sales related information including at least one of the agency information, the sales product, the customer information, the sales time, the sales representative, and the like based on the user interface ( Or the selected item, and transmits the input (or selected) product sales related information to the relay management server 105 through a network.

The information receiving unit 210, the information registration terminal 125 through the user interface product sales related information including at least one agent information, sales products, customer information, sales time, sales staff, etc. When inputting (or selecting) and transmitting through the network, it is characterized in that for receiving the product sales related information in conjunction with the interface unit 200, the sales processing unit 225 And the information receiving unit 210 is characterized in that it receives the receivables information and product information received through the network and transmits to the information storage unit 220.

In addition, according to an embodiment of the present invention, the relay processing server 100 by the loan request of the relay management server 105 and the conclusion of the loan service contract provided by the relay processing server 100 the relay management server When the sales information and the trade receivable information of 105 need to be extracted through interlocking including screen scraping, the relay processing server 100 owning the agency information of the relay management server 105 may be used. When the dealer information stored in the storage medium of the relay processing server 100 is extracted and transmitted to the relay management server 105 through a network, the information receiving unit 210 receiving the relay management server 105 receives the relay. The processing server 100 may be connected to the relay management server 105 to enable screen scraping of the sales information and the accounts receivable information.

The sales processing unit 225 is information calculating means for calculating the sales and sales fees for each agency, the agency information received by the information receiving unit 210, sales products, customer information, sales time, sales staff, etc. Identifying product sales-related information including at least one of the above, and unified processing to generate sales information and to process and generate as predetermined information to be stored in the storage medium 235 of the relay management server 105 do.

According to one embodiment of the present invention, the sales processing unit 225, the sales information is customer information, sales information including personal information such as sales agent ID, the name, address of the customer who purchased the goods or services sold It is preferable that the table includes a product, a time of occurrence of sales, a sales representative, and the like.

Further, according to another embodiment of the present invention, the sales processing unit 225 confirms that the product sales related information is input through the interface unit 200 and received by the information receiving unit 210, and then receives a callback SMS. After generating and confirming the customer information included in the product sales related information, the callback SMS is transmitted to the portable wireless terminal of the customer who purchased the sold product or service, and then the customer checks the callback SMS and sends the callback reply SMS to the network. When transmitting to the relay management server 105 through, the callback reply SMS received by the information receiving unit 210 is characterized in that the sales processing unit 225 to generate the sales information.

For reference, the sales processor 225 refers to the callback reply SMS of the customer who purchased the goods or services in generating the sales information, so that the sales information is more than the sales receivable information in the large communication company server 110. It is characterized in that to serve as the main evidence data that can mask the authenticity of the sales in generating the, the callback reply SMS is the relay management server 105, the large carrier server 110, The callback SMS is preferably transmitted to the relay processing server 100. The callback SMS is not generated by the sales processing unit 225, but is generated by the large communication company server 110 so that the customer confirms the callback SMS. The relay management server 105 receives the callback reply SMS sent to the communication company server 110 together or is generated by the relay processing server 100. It is confirmed to the customer that the call back SMS callback SMS then a callback reply SMS to be transmitted to the relay processing server 100, wherein the relay management server 105 may be transmitted together.

The information storage unit 220 checks the product information received by the information receiving unit 210, the receivables receivable information, the agency information, and the sales information processed by the sales processor 225 to the relay management server. The storage medium 235 is characterized in that the storage.

According to an embodiment of the present invention, the information storage unit 220 is connected to the information receiving unit 210, the sales processing unit 225, the product information, the receivables information, the agency information on the storage medium 235 The sales information may be classified and stored in the storage medium 235 in a predetermined table format.

In addition, the information storage unit 220, if the storage medium 235 of the relay management server 105 is provided on the network associated with the relay management server 105 or the large communication company server 110, the information The storage unit 220 preferably stores the sales representative information in the storage medium 235 of the relay management server 105 including the agency identification ID information and the relay management server 105 connection information, and the relay management. When the storage medium of the server 105 uses the storage medium 235 of the large communication company server 110, the information storage unit 220 displays the sales information, the received trade receivable information, agency information, and the like. It is preferable to store in a storage medium provided in the server (110).

In addition, according to another embodiment of the present invention, the information storage unit 220 is first received the information for the receivables information stored in the storage medium of the relay management server 105, the large communication company server 110 is the By performing the reimbursement for the trade receivables by storing the receivables information updated in the sales processing unit 225 as it is in the storage medium of the relay management server 105 to delete or invalidate the previously stored receivables information. It can be provided further.

The information extracting unit 215 extracts the sales information and the accounts receivable information stored in the storage medium 235 of the relay management server 105 at the request of the relay processing server 100, or the large communication company server ( The sales information and the receivable information stored in the storage medium 235 of the relay management server 105 may be extracted at the request of 110.

In addition, according to an embodiment of the present invention, when the relay management server 105 is operated on a web-based web using HTTP, the information extraction unit 215 is a browser program provided in the conventional agency terminal is the relay management server It is preferred to include a browser emulator that emulates access to 105.

According to another embodiment of the present invention, when the relay management server 105 is operated in conjunction with a predetermined agency terminal program, the information extraction unit 215 is a terminal program provided in the conventional agency terminal is the relay management server ( And a terminal program emulator emulating accessing 105).

Those skilled in the art to which the present invention pertains, the relay management server 105, the large communication company server 110 or the relay processing server through the interworking storage media including screen scraping (Screen scraping) Since the sales information to be transmitted to the 100 and the trade receivables information to be transmitted to the relay processing server 100 are extracted, or the technical features of interworking with reference, the detailed description thereof will be omitted for convenience.

The information transmitter 230 transmits the sales information stored in the storage medium of the relay management server 105 to the large communication company server 110 at a specific time interval, or the sales processor of the relay management server 105 ( When confirming the callback SMS generated by 225, the callback SMS is transmitted to a portable wireless terminal or a wired terminal of a customer who purchased a product or subscribed to a service through a network, or sends the sales information and the receivable information. Characterized in that the transmission to the relay processing server (100).

 According to an embodiment of the present invention, the information transmitting unit 230 checks the sales information generated in real time in the sales processing unit 225 of the relay management server 105 by the hourly, daily, weekly, monthly, through a network Characterized in that it is transmitted to the large communication company server 110 at a specific time interval, such as quarters and semi-annual, when the information transmitter 230 transmits the accumulated sales information to the large communication company server 110, The information extracting unit 215 checks the sales information extracted from the storage medium 235 of the relay management server 105, and then the information transmitting unit 230 checks the sales information extracted by the information extracting unit 215. It is preferable to transmit to 110.

In addition, according to another embodiment of the present invention, the relay management server 105 enters into a contract for the use of agency loan service with the relay processing server 100, so that the relay processing server 100 is the relay management server The relay management server 105 sends the sales information and the trade receivable to the relay processing server 100 through a network without having to access screen 105 for the necessary sales information and the receivable information. When the information needs to be transmitted, the information transmitter 230 confirms that the information extraction unit 215 has extracted the sales information and the accounts receivable information from the storage medium 235 of the relay management server 105. Characterized in that the transmission to the relay processing server (100).

According to an embodiment of the present invention, the storage medium associated with the relay management server 105 provided on the network includes the revenue information processed and generated by the relay management server 105 and the relay management server ( It is characterized in that it comprises a dealer information, including product information, sales receivable information, server information of the relay management server 105, agency identification ID information, etc. received through the network in step 105).

The agency information is information necessary for accessing the relay management server 105, that is, agency unique ID information, PW (Password) for accessing the relay management server 105, the actual address of the agency, the server of the agency. It is characterized by including the address and the like.

According to an embodiment of the present invention, the sales agent information is a sales input together with the input of the information of the goods sold through the information registration terminal 125 when the sales for the product occurs through the dealer or the telemarketer. It is characterized in that it is generated through the input of the dealer unique identification number, that is, agency ID information for the generation relay management server 105.

In addition, according to another embodiment of the present invention, the agency information is the sales required to provide a loan service between the relay management server 105 and the relay processing server 100 that has made a contract for providing a loan agency service. Information and the account receivable information to the relay management server 105 to be used by the relay processing server 100 to directly extract from the storage medium 235 of the relay management server 105, the relay management It is characterized in that the server 105 to receive a connection approval.

According to an embodiment of the present invention, the commodity information stored in the storage medium 235 associated with the relay management server 105 is transmitted by the large communication company server 110 through a network to the relay management server ( 105 to the storage medium 235, wherein the commodity information includes a service or a physical commodity (type commodity) of a large telecommunication company sold through an agency or a telemarketer, that is, a wired or wireless telephone. Information on goods and service goods (intangible goods) related to a terminal, etc., inventory information existing in the case of the physical goods, benefits existing in the case of the physical goods and the service goods, that is, discounts, free gifts, and special sale. Information such as a discount policy due to the product identification id provided for the purpose of distinguishing each of the physical product and the service product The large communication company server 110 may be managed through a batch method of transmitting newly created or updated product information to the relay management server 105 through a network.

The sales information includes a sales agent ID for generating sales of a physical product or a service product, a purchaser who purchased the physical product or a service product, and a physical product or service product sold to the purchaser. It is characterized by.

According to an embodiment of the present invention, the sales information is a callback SMS of the sales processing unit 225 confirming the product sales related information received by the information receiving unit 210 after the sales for the first physical product or service product has occurred. Or the large communication company server 110 receives the sales information of the relay management server 105 and generates a callback SMS, or the relay processing server 100 generates the sales of the relay management server 105. Receive a callback reply SMS from the purchase customer that confirms the callback SMS that occurs in all cases to generate a callback SMS through the network, and then the sales processing unit 225 the callback reply SMS to the existing sales information It is characterized in that for updating the sales information to be attached, and then stored in the storage medium 235 of the relay management server 105.

In addition, according to an embodiment of the present invention, the sales information is provided to receive and provide a loan service between the relay management server 105 and the relay processing server 100 has concluded a contract for providing the agency loan service It is utilized as necessary basic information, the sales information is generated in the guarantee collateral information required in the process of applying the loan service to the loan processing server on behalf of the relay processing server 100, the relay management server 105, It is used in the relay processing server 100 as the main judgment data for determining the validity of the trade receivables included in the warranty collateral information, that is, the authenticity of the trade receivables itself and the authenticity of the merchandise sales. The sales information is extracted by the information extraction unit 215 of the relay management server 105 to the relay Stored in the processing server 100 or the relay processing server 100 presents agent information to the relay management server 105 and accesses the relay management server 105 to include screen scraping. The sales information stored in the storage medium 235 of the relay management server 105 may be extracted through interoperation between media.

The trade receivable information is a form of bills, instead of the large communication company server 110 pays in kind in the form of profits generated from sales generated by the relay management server 105 for a predetermined period of time. Information on the trade receivables received as: The account receivable information includes the account receivable number, the expiration date of the receivables, whether the receivables have been reimbursed, and the amount to be paid by the repayment of the receivables. It is characterized by including.

According to an embodiment of the present invention, the receivables information includes the sales information that the relay management server 105 reports to the large communication company server 110 at a predetermined time interval or in real time, such as daily, weekly, monthly, and the like. Notes issued by the amount corresponding to the sales proceeds of the sales generated by the specific relay management server 105 during a predetermined time interval, that is, information on the accounts receivable, that is, the issue date, the maturity date, the debtor (large carrier server 110), the creditor ( Relay management server 105) and the like, and then the information is transmitted to the relay management server 105 with the issuance of the receivables through the network, and the large communication company is included in the receivables information. Reimbursement should be made to the relay management server 105 until the due date is reached, and the relay processing server 100 uses the trade receivable information until the repayment is made. Through the process of determining the authenticity of the existing trade receivable information can be set as collateral, based on the receivable information, the relay processing server 100 is a loan procedure that should be performed by the relay management server 105, that is, credit information confirmation, The relay management server 105 receives a loan service directly from the loan processing server 120 on behalf of a process and a process such as collateral setting, or provides a loan service provided by the loan processing server 120 to the relay processing server ( It is characterized in that it serves to indirectly receive a loan service, such as the form via (100).

In addition, according to an embodiment of the present invention, the receivable information is the relay management server 105 between the relay management server 105 and the relay processing server 100 that has entered into a contract for providing the agency loan service Is the most important information for receiving a loan service directly or indirectly receiving a loan service, such as a form via the relay processing server 100 through a loan service provided by the loan processing server 120, in particular, the relay. The processing server 100 is characterized in that it becomes the basis information of the collateral setting information to be presented to the loan processing server on behalf of the relay management server 105.

According to an embodiment of the present invention, between the relay management server 105 and the relay processing server 100 that have entered into a contract for providing the agent loan service, the account receivable information may be received by the relay management server 105. Since the bill replaces sales proceeds to be received from the large communication company, the relay management server 105 receives the receivable information including the receivable information in the process of making a loan request to the relay processing server 100. The relay management server 105 extracts from the storage medium 235 of the relay management server 105 and transmits it to the relay processing server 100 through a network, or the relay processing server 100 transmits the relay management server. By connecting to 105 to allow the relay processing server 100 to extract the accounts receivable information by linkage including screen scraping, The relay management server 105 may enable the relay account server 100 to acquire and use the trade receivable information in various ways as in the above-described method for providing the loan service.

3 is a view showing a simple configuration of a relay processing server and a storage medium according to an embodiment of the present invention.

More specifically, FIG. 3 presents the guarantee collateral information to the loan processing server 120 on behalf of the relay management server 105 and receives the loan service from the loan processing server 120 to receive the loan. The relay management in such a way that the processing server 120 directly provides a loan service to the relay management server 105 or the relay processing server 100 receives and relays a loan service of the loan processing server 120. Regarding the functional component of the relay processing server 100 to indirectly provide a loan service to the server 105, those skilled in the art to which the present invention pertains. Although it is possible to infer a functional component of the relay processing server 100 included in the loan processing system, the technical features of the present invention are not limited to this figure, Bayida put out that containing all the exemplary method of inference.

According to an embodiment of the present invention, the relay processing server 100 confirms the loan request from the relay management server 105 and then applies for the loan service to the loan processing server on behalf of the relay management server 105. The relay management server 105 is provided with a loan service directly from the loan processing server 120, or the relay management server 105 passes through the relay processing server 100 from the loan server. Information necessary to receive the loan service indirectly, that is, the sales information and the receivable information of the relay management server 105, the relay processing server 100 connects to the relay management server 105, and the relay management server. Interworking between storage media including screen scraping or the like directly extracted from the storage medium 335 of 105 or received from the relay management server 105. Characterized in that the right output request information.

In addition, according to an embodiment of the present invention, the relay processing server 100 and the relay management server 105, the relay management server 105 has executed a contract for the provision of the agency loan service through the network or the financial network, and the relay On the basis of the transmission and reception of information, that is, sales information, information including the receivables information between the processing server 100, the relay processing server 100 through the agreement with the large communication server server 110 is the relay management server The specific relay management stored in the storage medium of the large communication company server 110 by accessing the large communication company server 110 for the purpose of determining the authenticity of the sales information and the trade receivable information stored in the storage medium 335 of the 105 (105). Extracting the sales information of the server 105 and the receivables information of the specific relay management server 105 by interlocking such as screen scraping, or the large communication company server 110 When the sales information of the specific relay management server 105 and the trade receivable information of the specific relay management server 105 are extracted from the storage medium of the large communication company server 110 and transmitted to the relay processing server 100, The relay processing server 100 matches the sales information and the trade receivable information extracted or provided by the relay management server 105 with the sales information and the trade receivable information extracted or provided by the large communication company server 110. Characterized in that it is possible to more accurately determine the authenticity of the accounts receivable information.

In addition, according to an embodiment of the present invention, the relay processing server 100 is connected between the network and the financial network, the contract execution for the provision of the agency loan service through the network or the financial network The relay management server 105 and the relay processing server 100 is based on the transmission and reception of information, that is, information including sales information and accounts receivable information, and the relay through the agreement with the large communication company server 110 The processing server 100 is a large communication company server 110 to the loan service that the agency server is provided directly from the loan processing server 120, or to the loan service indirectly provided through the relay processing server 100. After providing the loan application information and the loan application amount information including the loan details for the loan, the large communication server server 110 held by the relay management server 105 In the process of performing the repayment of the receivables, the large telecommunication company directly repays the loan of the relay management server 105 to the loan processing server 120 and restricts the repayment of the loan to the relay management server 105. By performing the repayment by performing the payment, or by performing the repayment of the loan of the relay management server 105 to the relay processing server 100 and paying the remaining amount of the loan repayment to the relay management server 105 by performing the repayment. Or, the large communication company server 110 to the relay management server 105 including a variety of methods, such as repayment of the receivables held by the relay management server 105 to the relay processing server 100. Characterized in that it is possible to perform loan repayment on behalf of the loan.

Referring to FIG. 3 according to an embodiment of the present invention, the relay processing server 100 receives and confirms information including sales information, receivables information, loan request, and the like through the network, and receives the information receiving unit 300. ), The validity check unit 330 for checking the validity of the sales information, the receivables information received by the information receiving unit 300 and processing the approval of the loan request, the validity check unit 330 is the basis information, that is, Loan processing unit 315, the loan processing unit 315 is generated to check the authenticity of the sales information and accounts receivable information, and to determine whether the loan request is approved to generate loan application information that meets the conditions of the loan request. Guarantee processing for confirming loan application information and generating guarantee collateral information including information on the guarantee collateral to be transmitted to the loan processing server 120 together with the loan application information 325, the information storage unit 305 for storing the loan application information and the information including the guarantee collateral information, etc. in the storage medium of the relay processing server 100, the loan repayment of the relay management server 105 When the security guarantee information, loan application information, loan application amount information is updated or the loan application information and the loan application amount information are transmitted to the large communication company server 110 when this is fulfilled, the relay processing server 100 The loan processing server extracts information stored in the storage medium 335, loan application information extracted from the information extraction unit 310, guarantee collateral information, loan application amount information, and agency information. Or an information transmitter 320 for transmitting to the large-scale telecommunication company server 110 or the relay management server 105, and is commonly used in the technical field to which the present invention pertains. If the person having the present invention can refer to or modify this figure 3, various implementation methods for the configuration of the relay processing server 100 using various storage media or inter-server interworking can be inferred. It includes a method, and is not limited to the embodiment method shown in FIG.

According to an embodiment of the present invention, the relay management server 105 uses the information registration terminal 125 to send a loan request to the relay processing server 100 through the network and the agency loan service provision. The sales information and the trade receivable information transmitted from the relay management server 105 to the relay processing server 100 through the network after receiving the contract is confirmed and received by the information receiver 300 and then the sales information and Characterized in that the sales receivable information is provided to the validity verification unit 330.

According to another embodiment of the present invention, the information receiving unit 300 is connected to the loan product information transmitted from the loan processing server 120 and the network from the large communication company server 110, the relay management server 105 Receives a callback reply SMS transmitted through it characterized in that it is provided to the validity check unit 330.

Information including the sales information, the trade receivable information, callback reply SMS, etc. delivered by the information receiving unit 300 is transferred to the validity check unit 330, the sales information, the receivables information, and callback reply SMS The validity confirming unit 330 confirms the information including the sales information and the sales receivable information.

According to an embodiment of the present invention, the validity confirming unit 330 is an information checking means for confirming sales or sales performance of a physical product or a service product at a dealer, and determines the authenticity of the sales information and the receivable information. In order to check and match all the sales-related information, such as callback SMS, sales generation agency ID, sales time, sales processing staff, sales products, etc. included in the sales information, the sales information is not false or manipulated information, If it is confirmed that the valid sales information, characterized in that to determine the authenticity of the receivables information by matching the receivables information with reference to the sales information and the sales information once again.

In an embodiment of the present invention, the trade receivable information is applied for the loan service to the loan processing server 120 on behalf of the relay management server 105 that the relay processing server 100 applied for a loan request. And, it is the basis information for setting the guarantee collateral information presented by the relay processing server 100 to the loan processing server 120 in order to receive a loan service, loans originated from the illegal intention of the relay management server 105 Since the damage of the relay processing server 100 generated from the request should be prevented, the process of determining the authenticity of the sales information and the accounts receivable information can be said to be the most essential and important part in the agency loan processing system. In the process of matching the sales receivable information by analyzing the sales information to determine the authenticity of the sales receivable information The relay processing server 100 accesses the relay management server 105 to extract sales information and account receivable information stored in the storage medium 335 of the relay management server 105, or the relay management server 105. Based on a method of receiving the sales information and the receivable information from the sales information, and based on the agreement with the large communication company server 110 to extract the sales information and the receivable information stored in the storage medium of the large communication server server 110 It is possible to obtain the sales information and the accounts receivable information in a variety of ways, such as by providing a method for receiving the sales information and the receivables information from the large communication company server 110, and accurately determine the authenticity. It should be possible.

According to another embodiment of the present invention, the validity check unit 330 in the process of determining the authenticity of the sales information and the receivables information, the large communication company server 110 through the agreement with the large communication company server 110 The sales information and the receivable information stored in the storage medium of the direct extraction through the information extraction unit 310 of the relay processing server 100, or the large communication company server 110 stores the large communication company server 110 Receiving sales information and receivable information extracted from a medium, the sales information and the receivable information extracted or provided by the relay processing server 100 from the sales information and the receivable information extracted or provided by the relay management server 105 By matching, it is possible to more accurately determine the authenticity of the sales information and the receivables information.

According to one embodiment of the invention, the process of determining the authenticity of the sales information and the receivables information, the validity check unit 330 by analyzing the sales information included in the sales information, sales agent ID, sales Table structure that contains the information of the customer who purchased the product or service, that is, the customer information including personal information such as the customer's name, address, callback reply SMS, sales product, sales time, sales staff, etc. Checks the entire correspondence through matching of the dealership agent ID, the sales product or service, the customer information that purchased the product or service, and the callback reply SMS, and then the creditor information of the sales receivable included in the sales receivable information; The account receivable information is aggregated to the sales information through a matching operation with a table including a debt amount, debt-based sales, etc. In the case corresponding to the result of the interest, it is characterized in that the validity judgment for determining the authenticity of the sales information and the receivables information.

According to another embodiment of the present invention, in addition to the sales authenticity determination for the sales information and the accounts receivable information extracted from the relay management server 105 or provided by the relay management server 105, the large communication company And total sales agent IDs that form a table for the sales information and the accounts receivable information extracted from the large communication company server 110 or provided by the large communication company server 110 according to an agreement between the relay processing server 100 and the relay processing server 100. , The total correspondence through the matching of the total sales products or services, the total customer information of the purchase of the products or services, and the total callback reply SMS, and then the creditor information and creditors of the total sales receivables included in the receivables information. The trade receivable information is increased through matching with a table that includes the amount of each debt and the sales based on each debt generation. When it corresponds to the result of the aggregate analysis of the previous sales information, it is characterized in that the validity judgment for determining the authenticity of the sales information and the receivables information.

According to an embodiment of the present invention, when it is confirmed that the validity confirming unit 330 processes the validity check on the receivables information, that is, the validity check on the authenticity of the authenticity, the guarantee processing unit 325 performs the sales. With reference to the bond information, the relay processing server 100 may generate guarantee collateral information to be presented to the loan processing server.

The guarantee processing unit 325 sends the loan receivable information received by the validity check of the validity confirmation unit 330 and the loan request sent from the relay management server 105 to the relay processing server 100. When the loan amount is specified in the loan request sent by the relay management server 105 to the relay service processing server 100, the unique number of the receivable information and the large communication company server 110 as a debtor are checked. The amount of debt to be repaid to the relay management server 105, which is a creditor, is determined, and the loan amount requested by the relay management server 105 is referred to by referring to the debt amount information included in the trade receivable information. In order to be provided directly from the loan processing server 120 or indirectly through the relay processing server 100, the relay processing server 100 must present the loan processing server 120. A loan set by the guarantee collateral information, the deposit corresponding to the guarantee guarantee collateral, or the allowance to be booked in the ledger information of the financial system, is generated, presented to the loan processing server 120, and the loan transmitted by the relay processing server 100. If it is not specified in the loan amount in the request, the guarantee processing unit 325 sets the limit of the loan amount that the relay management server 105 can receive, referring to the debt amount information included in the receivable information. The guarantee processing unit 325 receives the request for a suitable loan product within the limit amount to the loan processing server 120, and then receives a loan product available within the limit amount from the Daeleul processing server. Sending the loan product information to 105 to send the loan request to which the relay management server 105 has been updated, i.e., specifying the loan amount; Characterized in that it allows to transmit to (100).

According to an embodiment of the present invention, in the process of generating the guarantee collateral information, the guarantee processing unit 325 confirms the loan request of the relay management server 105 and guarantees the loan amount specified in the loan request. In the process of setting the collateral information, the guarantee processing unit 325 generates a deposit or a provision included in the guarantee collateral information according to the condition that the loan processing server 120 presents to the relay processing server 100. Preferably, when the loan processing server 120 requests the presenting form of the guarantee collateral as a deposit in the form of an in-kind deposit, the guarantee processing unit 325 refers to the debt amount information included in the trade receivable information to determine the debt amount. Present it to the loan processing server as long as it is possible to provide a security deposit as collateral, and the loan processing server 120 displays the presentation form of the guarantee collateral in the financial system. When a request is made for the provision of a book transaction, which is booked in the ledger information of the system, the guarantee processing unit 325 refers to the amount of debt information included in the account receivable information, and the allowance can be set as collateral. The guarantee collateral information is generated, and the relay processing server 100 is presented to the loan processing server 120 together with loan application information generated through a predetermined process.

According to an embodiment of the present invention, although the relay processing server 100 generates guarantee collateral information and loan application information generated through a predetermined process and presents it to the loan processing server 120, the loan processing When the server 120 rejects the loan application of the relay processing server 100, the guarantee processing unit 325 and the loan processing unit 315 adjust the loan amount specified in the loan request by the relay management server 105. It is preferable to provide to the loan processing server 120.

According to an embodiment of the present invention, when the loan processing unit 315 confirms that the guarantee processing unit 325 generates the guarantee collateral information through a predetermined process, the loan processing unit 315 is the relay management server. Referring to the loan request sent to the relay processing server 100 through the network, 105 prepares a loan form and generates loan application information referring to the agency information of the relay management server 105. The loan application information generated by the loan processing unit 315 may be transmitted together with the guarantee collateral information generated by the guarantee processing unit 325 through the financial network.

According to an embodiment of the present invention, the loan processing unit 315 that the information receiving unit 300 confirms the loan request received from the relay management server 105 through a network, is a loan service actual request object, that is, a loan service. Generating loan application information including guarantee collateral information referring to the relay management server 105 information provided, the relay processing server 100 information, and the loan amount requested to the loan processing server 120; The loan application information may be generated by the loan processing server 120 and received by the relay processing server 100 through a financial network and stored in the storage medium 335 of the relay processing server 100. The loan application amount information is preferably matched with the source information that can be referred to the loan application amount information.

In addition, according to another embodiment of the present invention, when the large carrier server 110 pays the receivables for the relay management server 105, the relay processing server 100 through the network; Pay the sales proceeds for each period of the relay management server 105 and perform the reimbursement of the accounts receivable through the relay processing server 100, or pay the loan to the relay processing server 100 through a network. When the loan payment is limited and the remaining sales proceeds are paid to the relay management server 105 to perform the reimbursement for the trade receivables, the loan processing unit 315 may be configured to allow the loan processing server 120 to perform the relay processing server ( The loan amount generated by acting as a relay between the loan processing server 120 and the relay management server 105 in the loan application amount information transmitted through the financial network in 100). When the loan payment received by the loan service is delivered to the relay management server 105, the loan application amount information is transmitted together with the delivery history, and the relay management server 105 and the relay processing server 100 are updated. It is possible to manage the inter-transaction records and to provide accurate loan services.

The information storage unit 305 is the loan application amount information received by the information receiving unit 300 through the financial network, agency information received from the relay management server 105 through the network, the relay processing server 100 The guarantee security information generated by the guarantee processing unit 325 and the loan application information generated by the loan processing unit 315 may be stored in the storage medium 335 of the relay processing server 100.

According to another embodiment of the present invention, the information storage unit 305 is connected to the information receiving unit 300 and the loan processing unit 315 to provide a loan service to the storage medium 335 of the relay processing server 100. The relay processing process includes loan application information including guarantee collateral information referring to the relay management server 105 information provided, the relay processing server 100 information, and the loan amount requested to the loan processing server 120. It is characterized in that the storage in the storage medium 335 of the server 100.

In addition, when the storage medium 335 of the relay processing server 100 is provided on the network associated with the relay management server 105 and the large communication company server 110, the information storage unit 305 is the relay Receive the agency information from the management server 105 and store in the storage medium of the relay processing server 100, and then allow the relay processing server 100 to access the relay management server 105, or the information The storage unit 305 receives the large communication company information from the large communication company server 110 through an agreement with the large communication company server 110 and stores it in a storage medium of the relay processing server 100 and then the relay processing server. It is preferable to allow 100 to connect to the large communication company server 110.

In addition, according to another embodiment of the present invention, the information storage unit 305 is first generated in the loan processing server 120 so that the loan processing server 120 to the relay processing server 100 through a financial network With respect to the loan application amount information transmitted, the large communication company server 110 stores the loan application amount information updated by the sales processing unit 225 by performing the reimbursement for the trade receivable. By overwriting the medium 335 may further include a role of updating or deleting the previously stored loan application amount information.

The information extracting unit 310 extracts the guarantee collateral information of the relay processing server 100 at the request of the loan processing server 120 or accesses the relay management server 105 to the relay management server ( Extracting the sales information and the receivable information from the storage medium 335 of 105, or accessing the large communication company server 110 by agreement with the large communication company server 110, the storage medium of the large communication company server 110 In operation 335, the sales information and the accounts receivable information may be extracted.

Persons having ordinary skill in the art to which the present invention pertains may access the relay management server 105 from the relay processing server 100 through the interworking storage media including screen scraping to connect the relay. Extracting the sales information and the receivable information from the storage medium of the management server 105, or from the storage medium of the large communication company server 110 by accessing the large communication company server 110 through the agreement with the large communication company server 110 Since you will be familiar with the technical features of extracting sales information and accounts receivable information, a detailed description thereof will be omitted for convenience.

The information transmitter 320 transmits loan application information and guarantee collateral information of the relay processing server 100 to the loan processing server 120 through a financial network, or the relay management server 105 sends a callback SMS. When the loan processing server generates a callback SMS without checking, the service provider checks the callback SMS generated by the loan processing server 120 and purchases a product or subscribes to the service through the network. The agent information is transmitted to the relay management server 105 for the purpose of transmitting to a portable wireless terminal or a wired terminal of a customer, or for connecting to the relay management server 105 from the relay processing server 100. The information extracting unit 310 adds the large communication company information stored in the storage medium 335 of the relay processing server 100 through an agreement with the large communication company server 110. After confirming that, the information transmitter 320 transmits the large communication company information to the large communication company server 110 for the purpose of connecting the relay processing server 100 to the large communication company server 110. It is done.

In addition, according to another embodiment of the present invention, the information transmitting unit 320 is the loan amount to be paid to the relay processing server 100 or the relay management server 105 by the loan processing server 120 by providing a loan service. If it is necessary to adjust the information, the loan request information, the guarantee collateral information, the loan request amount information, the information requesting unit 300 of the relay processing server 100 receives the request for transmission of the agency information, the request After confirming, the information extraction unit 310 extracts the loan application information, the guarantee collateral information, the loan application amount information, and the agency information stored in the storage medium 335 of the relay processing server 100. If so, the information transmitter 320 transmits the loan application information, the security guarantee information, the loan application amount information, and the agency information to the loan processing server 120. It is characterized by.

Loan application information, guarantee collateral information, loan application amount information, agency information delivered by the information storage unit 305 is stored in the storage medium of the relay processing server 100, the relay to the loan processing server 120 Apply for a loan service on behalf of the management server 105 and the loan management service is provided directly from the loan processing server 120, or the agency management service indirectly via the relay processing server 100. It is characterized by storing the main information required for the process provided.

The information stored in the storage medium 335 is loan application information for applying for the provision of a loan service to the loan processing server 120 through a financial network on behalf of the relay management server 105 to receive a loan service; The loan processing server 120 is matched with the guarantee collateral information transmitted to the loan processing server 120 and the loan application information transmitted to the loan processing server 120 together with the loan application information. The loan application amount information is generated and transmitted to the relay processing server 100 through a financial network, and the agency information necessary for accessing the relay processing server 100 to the relay management server 105 is provided. It is characterized by.

The loan application information is generated by referring to the loan request transmitted from the relay management server 105 to the relay processing server 100 by the loan processing unit 315 of the relay processing server 100 and receiving a loan service. Generate loan application information including guarantee collateral information referring to the relay management server 105 information, the relay processing server 100 information, loan amount information requested to the loan processing server 120, and the like; The relay processing server 100 information may be configured to include the relay processing server 100 address or a unique ID of the relay processing server 100, and the loan amount information may be configured as the relay processing server 100. By referring to the guarantee collateral information generated by setting the receivables of the relay management server 105 applied for a loan service by the loan processing unit 315 as collateral, it has an appropriate limit Shall be.

The guarantee collateral information is generated by referring to the sales information and the trade receivable information stored in the storage medium 335 of the relay management server 105 that the loan processing unit 325 of the relay processing server 100 transmits the loan request. The guarantee collateral information may include the relay management server (100) so that the relay processing server (100) can clearly determine a target of paying a loan when the relay processing server (100) receives a loan service directly from the loan processing server (120). 105) is referred to the agency address information.

The loan application amount information records the details of the processing of the loan payments received by using the loan service generated by matching the loan application information in the loan processing server 120, adjustment of the loan amount, payment confirmation of the loan amount or not; As an information table, loans paid by the loan processing server 120 are paid to the relay management server 105 via the relay processing server 100 or paid by the loan processing server 120. In all cases in which the loan is directly paid to the relay management server 105, the loan application amount information is transmitted to the relay processing server 100 through a financial network to provide the loan processing server 120 and the relay processing server ( 100) and the transaction history for the payment of the loan between the large communication server server 110 can be accurately recorded and managed.

Further, according to another embodiment of the present invention, the large communication company directly executes the loan payment of the relay management server 105 to the loan processing server 120 and limits the remaining amount of the loan payment to the relay management server 105. Reimbursement by paying the fee or paying the loan by the relay management server 105 to the relay processing server 100 and restoring the loan amount to the relay management server 105. The large communication company server 110 includes the relay management server 105, including various methods such as performing or repaying the receivables held by the relay management server 105 to the relay processing server 100. Loan repayment obligation terminated by performing loan repayment on behalf of the loan processing unit 315 to the storage medium 335 of the relay processing server 100 Characterized in that it can be reflected by updating or deleting the stored loan amount application information.

4 is a diagram showing a simple configuration of a loan processing server and a storage medium according to an embodiment of the present invention.

In more detail, FIG. 4 shows information constituting the component of the loan processing server 120 and the storage medium 435 of the loan processing server 120, wherein the loan processing server 120 is provided through the financial network. In connection with the large communication company server 110, the relay management server 105 and the relay processing server 100 may provide a loan service to the relay processing server 100 or the relay management server 105, It is possible to process the repayment of the loan for the loan provided by the loan service from the large communication company server 110, the relay management server 105, or the relay processing server 100 through the financial network. And, if the person having ordinary knowledge in the technical field to which the present invention belongs, it will be able to infer various implementation methods with reference to this figure 4, the present invention is not limited to this figure 4, the analogy It includes any method embodiment.

Referring to FIG. 4 according to an embodiment of the present invention, the loan processing server 120 for FIG. 4 checks an information receiving unit for receiving information including loan application information and the loan application information through the financial network. A validity checking unit 400 for checking whether the loan application information is valid (validation and verification of credit information or guarantee collateral information of the relay processing server 100), the loan application information, and the guarantee collateral information And an information storage unit 405 for storing the loan application amount information processed and generated by the information confirmation unit 415 in the storage medium 435, and a part of the loan product selling fee generated by the loan service provision. The settlement processing unit 425, which is settled by the relay processing server 100, and the loan service processing related information including the loan application amount information, are stored on the relay processing server 100. The information extraction unit 410 for transmitting the loan application amount information and the guarantee collateral information received through the information receiver, and the approval of the loan application amount of the relay processing server 100 based on the guarantee collateral information. An information checking unit 415 for processing and checking whether the loan application information and loan application amount information are checked and loaned to the relay processing server 100 or the relay management server 105 and the loan processing unit 430. In response to the loan approval being rejected by the information checking unit 415, a loan adjustment unit 420 for adjusting the loan application amount may be provided.

The information receiving unit receives loan processing related information including loan application information transmitted to the loan processing server 120 linked to a financial network, the validity checking unit 400, or the information checking unit 415, or Characterized in that the transfer to the loan processing unit 430.

According to the method of the present invention, when the information receiving unit receives the loan application information from the relay processing server 100, the loan application information is confirmed and transmitted to the validity confirming unit 400, the relay processing server When receiving the loan application amount information of (100), it is characterized in that for transmitting the request to send the loan application amount information to the information extraction unit 410.

The validity confirming unit 400 checks the loan application information and checks whether the validity of the loan application information (validation and verification of credit information or guarantee security information of the relay processing server 100) is satisfied. .

According to the exemplary embodiment of the present invention, the validity checking unit 400 is the loan application information received from the relay processing server 100 is valid for the loan processing of the loan processing server 120, that is, the relay management server ( Characterized in that the credit level and guarantee collateral requirements of the relay processing server 100 on behalf of (105) is satisfied.

Validation of the loan application information is included in the guarantee collateral information presented to the loan processing server 120 by the relay server corresponding to the relay processing server 100 information among information included in the loan application information. The amount of the debt of the relay management server 105, that is, the deposit or allowance presented by the relay processing server 100 to the loan processing server 120 on behalf of the relay management server 105 is the loan application information. It is preferable to include verifying that the loan amount contained in the item satisfies the requirements for obtaining the loan.

The information storage unit 405 stores the loan application information, the guarantee collateral information, and the loan application amount information processed and generated by the information confirming unit 415 in the storage medium 435.

According to the embodiment of the present invention, when the validity confirming unit 400 confirms the validity of the agency loan application information, the information storage unit 405 is the loan application information included in the loan application information, and guarantee collateral Information and the relay processing server 100 information are interworked and stored in a storage medium of the loan processing server 120, wherein the storage medium of the loan processing server 120 is provided in the loan processing server. When provided in the network or financial network associated with the loan processing server, the information storage unit 405 is a relay processing server 100 information and loan application amount information and guarantee included in the received loan application information It is preferable to store collateral information in the storage medium by cooperatively processing the information. When the storage medium is provided in a DBMS provided on a financial system, the information storage unit 405 receives the received image. It is preferable to provide the relay processing server 100 information, loan application amount information and guarantee collateral information included in the loan application information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

For reference, referring to FIG. 4, the loan processing server 120 may validate the validity of the loan application information received through the information receiver 210 or store the validity of the loan application information. After storing in the medium 435, the relay processing server 100 information included in the loan application information and the loan application amount information is transmitted to the relay processing server 100 through the predetermined network. For the loan application amount information stored in the storage medium of the loan processing server 120, or the guarantee collateral information generated and delivered by the relay processing server 100, loan product information, or the relay processing server 100 requesting a loan service An information extraction unit 410 for extracting the relay processing server 100 information necessary for accurately delivering a loan to the user; and the extracted sales performance information and product sales payment information; Information that is included in the loan application information based on whether the loan is approved for the loan amount requested to be paid to the relay processing server 100 or the relay management server 105 and generates loan application amount information according to the loan approval. And a loan processing unit 430 for lending the loan application amount to the distributor customer in association with a predetermined financial system when the loan confirmation is confirmed by the confirmation unit 415 and the information confirmation unit 415. Characterized in that, when the loan approval is rejected by the information confirming unit 415, it is preferable to further comprise a loan adjustment unit 420 for adjusting the loan application amount.

The settlement processing unit 425 may settle a portion of the loan product selling fee generated by the loan service providing to the relay processing server 100.

According to the embodiment of the present invention, the loan processing server 120 by the loan processing unit 430 after the approval processing of the provision of the loan service to the relay processing server 100 or the relay management server 105 And distribute a portion of the loan product sale fee or loan fee (or loan interest) generated by the loan service to the relay processing server 100 or the relay management server 105 to the relay processing server 100. It is preferable to further comprise a settlement processing unit 425 to perform the settlement process.

The information extraction unit 410 is characterized in that for transmitting the loan application amount information to the relay processing server 100 that needs information related to the loan service processing, including loan application amount information.

According to an embodiment of the present invention, the validity of the loan application information received through the information receiving unit 210 is authenticated through the validity confirming unit 400, or the loan application information whose validity is verified is stored in the storage medium. After being stored in the information extracting unit 410, the relay processing server 100 that requires the relay processing server 100 information included in the loan application information and the loan application amount information through a predetermined network. Characterized in that the loan request amount information is transmitted to the request, the guarantee collateral information stored in the storage medium 435 of the relay processing server 100, or the information extraction unit 410 is the relay processing server 100 ) To access the relay processing server 100 by using the information, and then extract the linkage from the storage medium of the relay processing server 100 in a linkage including screen scraping. In accordance with the validity check unit 400 performs a verification process to check the guarantee collateral information extracted by the information extraction unit 410 and the guarantee collateral information stored in the storage medium of the loan processing server 120 do.

The information confirming unit 415 confirms the guarantee collateral information received through the information receiving unit 210 and processes and confirms the approval of the loan application amount of the relay processing server 100 based on the guarantee collateral information. Characterized in that.

According to the exemplary embodiment of the present invention, the information extraction unit 410 extracts the guarantee collateral information from the relay processing server 100 by a screen scraping method, or the information extraction unit 410 provides the loan. When the guarantee collateral information stored in the processing server 120 is extracted, the information confirming unit 415 may request a payment by using the loan service included in the loan processing information and the degree of credit for the relay processing server 100. The guarantee collateral information is checked whether a proper guarantee collateral is set, and if necessary, the relay management server 105 directly checks the trade receivable information of the relay management server 105 referred to the guarantee collateral information. Loan application included in the loan application information through additional verification procedures such as reconfirming the amount of debt that can be obtained from repayment It is characterized by checking whether the loan is approved for the amount.

According to another exemplary embodiment of the present invention, the information checking unit 415 is based on at least one or more sales record information and product sales payment payment information for the relay management server 105 via the relay processing server 100. As a result, it is preferable to further check loan period information on the loan application amount or to further check loan interest rate information on the loan application amount.

According to another exemplary embodiment of the present invention, when the loan application amount is not included in the loan application information, the information checking unit 415 passes through the relay processing server 100, and the relay management server 105. ) By checking the loanable amount information, loan period information and loan interest rate information for the loanable amount based on the at least one or more sales information and the receivables information, and thereby the present invention This is not limited.

Upon confirming the loan approval for the loan application amount (or loanable amount) by the information confirmation unit 415, the loan processing unit 430 is connected with the financial system to determine the loan application amount (or loan amount). A loan to the relay processing server 100 or a loan to the relay management server 105 may be performed.

According to the method of the present invention, the loan processing unit 430 generates a loan ledger corresponding to the distributor customer in association with the financial system, and a predetermined loan management account (for example, loaning the loan from the financial institution). It is preferable to lend the loan application amount (or loanable amount) to the loan ledger from the account).

The loan adjustment unit 420 is characterized in that for adjusting the loan application amount when the loan approval is rejected by the information verification unit 415.

According to the method of the present invention, when the loan approval for the loan application amount (or loanable amount) is denied by the information checking unit 415, the loan adjustment unit 420 is the relay processing server 100 Request at least one or more sales information and accounts receivable information for the relay management server 105 to confirm the loanable amount for the relay processing server 100 based on the sales information and the receivables information. Or requesting the relay processing server 100 by requesting the sales information, the receivable information, and the information on the relay management server 105 having the receivable, which is the basis of the guarantee collateral information, and confirming the loan application amount. It is characterized by adjusting by replacing (or converting) the loan amount.

Those skilled in the art to which the present invention pertains, the loan processing unit 430 is familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. Therefore, detailed description thereof will be omitted for convenience.

The storage medium provided in association with the agency loan processing server 120 according to the present invention is the loan application information, guarantee collateral information, and the agency information transmitted from the relay processing server 100 in conjunction with the loan application After generating the amount of money information, the loan application amount information, the relay processing server 100 information for transmitting the loan application amount information, the guarantee collateral information, and the loan product information transmitted from the financial system, the predetermined storage medium. And the relay processing server 100 information, the guarantee collateral information, the loan application amount information, and the loan product information stored in the storage medium are used for the agent loan processing.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the dealer loan processing system (or associated with the agency loan processing system), wherein the storage medium ( 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium is at least one or more of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agency loan processing system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

5 is a diagram illustrating a process of processing sales information between a large telecommunication company server and a relay management server according to an exemplary embodiment of the present invention.

When sales of physical goods, ie, wired / wireless terminals or service goods, that is, optical network service, etc., are generated through an online or offline site (500), a telemarketer linked to an agency or an online site may use the information registration terminal 125. After inputting the product sales information, that is, the unique identification information such as the product, the customer information, sales point, sales representative, etc. that the sales occurred, input the product sales (505), the relay management server 105 is the information registration terminal 125 The product information and the product sales inputted through the interface displayed on the output screen are checked to process and generate the sales information (510).

The relay management server 105 stores the merchandise sales information and the sales information generated by processing the merchandise sales in a storage medium of the relay management server 105 (515), each month determined by an agreement with the large communication company. If the settlement period has not been reached (520), the relay management server 105 repeats the process of generating the sales information and storing the sales information in the storage medium of the relay management server 105.

The relay management server 105 stores the merchandise sales information and the sales information generated by processing the merchandise sales in a storage medium of the relay management server 105 (515), each month determined by an agreement with the large communication company. When the settlement period is reached (520), the relay management server 105 extracts the total period sales information accumulated for each period from the storage medium of the relay management server 105 and transmits it to the large communication server server 110 through the network. In operation 525, the large communication company server 110 checks the cumulative sales information for each period through a predetermined confirmation and processing procedure and stores the accumulated sales information in the storage medium of the large communication company server 110.

The large communication company server 110 checks the cumulative sales information of the relay management server 105 and stores the accumulated sales information in the storage medium of the large communication company server 110 and corresponds to the cumulative sales information for the relay management server 105. Generating a receivable, and generating receivable information including information on the receivable, in a storage medium of the large telecommunication company server 110 (535), and the large telecommunication company server 110 issues a receivable; When the account receivable information is transmitted to the relay management server 105 through a network (540), the relay management server 105 receives the account receivable information transmitted by the large communication company server 110 After checking, the storage medium is stored in the storage medium of the relay management server 105 and the series of processes related to the sales information processing between the relay management server 105 and the large communication company server 110 are completed (545). .

6 is a diagram illustrating a process of processing sales information between a large telecommunication company server and a relay management server according to another exemplary embodiment of the present invention.

When product sales for physical goods, ie, wired / wireless terminals or service products, that is, optical network service, etc. are generated through an online or offline site (600), a telemarketer linked to an agency or an online site may use the information registration terminal 125. After inputting the product sales information, that is, the unique identification information such as the product, the customer information, sales point, sales representative, etc. that the sales occurred, input the product sales (605), the relay management server 105 is the information registration terminal 125 The product sales information and the product sales inputted through the interface displayed on the output screen are checked (610), and the relay management server 105 extracts the customer information generating the sales from the product sales related information and wired or wirelessly. After referring to the terminal number information, a callback SMS is generated and transmitted to the wired / wireless terminal of the customer (615).

For reference, the callback SMS checks whether or not the customer's transaction is true and improper sales information for the purchase of a product by stealing another person's name, and data generated by the potential customer, system, and system processing from the input of the inappropriate sales information. And protects information and is used for management of the customer.

The customer confirming the callback SMS received by the customer's wired / wireless terminal generates a reply SMS, that is, a callback reply SMS to the callback SMS, and transmits it to the relay management server 105 (620). The relay management checks the callback reply SMS. The server 105 checks the validity of the merchandise sales information through matching between the customer information sending the callback reply SMS and the purchase customer information generating the sales (625).

Regarding the product sales information validity determination through the callback reply SMS, the product sales information validity determination through the callback reply SMS is not valid, that is, the SMS of the content that the callback reply SMS denies the purchase behavior; In the case of an SMS including information or a signal corresponding thereto, the relay management server 105 generates (extracts) information registration error information and transmits it to the terminal (635), thereby terminating a series of processing procedures regarding the sales information. do.

When the callback reply SMS is an SMS of content acknowledging a purchase activity or an SMS including corresponding information or a signal (630), the relay management server 105 generates sales information by processing product sales related information. When the sales information is stored in the storage medium of the relay management server 105 (640), and the confirmation of the relay management server 105 does not reach the sales settlement period defined by the agreement with the large communication company (645) ), The relay management server 105 continuously stores the sales information in a storage medium of the relay management server 105.

When the sales settlement period determined by the agreement with the large communication company is reached by the confirmation of the relay management server 105 (645), the relay management server 105 relays the cumulative sales information for each period to the relay management server 105. Extracted from the storage medium of the transmission through the network network to the large telecommunications company server 110 (650), the large telecommunications server 110 receives and confirms the cumulative sales information for each period sent by the agency server, and then the large telecommunications company After storing in the storage medium of the server 110 (655), the receivables information including the information on the sales receivable corresponding to the cumulative sales information for each of the relay management server 105 generates the receivables information, and the In the storage medium 660, the large communication company server 110 transmits the receivables information to the relay management server 105 at the same time as the receivables issuance (665), the relay management server 105 Type carrier is the server 110 stores the accounts receivable information to be transmitted to the storage medium of the check received by the network over the network, and then relaying the management server 105.

7 is a diagram illustrating a process of processing sales information between a large telecommunication company server and a relay management server according to another exemplary embodiment of the present invention.

When sales of physical goods, ie, wired / wireless terminals or service products, that is, optical network service, etc., are generated through an online or offline site (700), a telemarketer linked to an agency or an online site may use the information registration terminal 125. After inputting the product sales information, that is, the unique identification information such as the product, the customer information, sales point, sales representative, etc. that the sales occurred, input the product sales (705), the relay management server 105 is the information registration terminal 125 In step 710, the product sales information and the product sales amount are input through the interface displayed on the output screen to process and generate the sales information.

The relay management server 105 stores the merchandise sales information and the sales information generated by processing the merchandise sales in a storage medium of the relay management server 105 (715), and each month determined by an agreement with the large communication company. If the settlement period is not reached (720), the relay management server 105 repeats the process of generating the sales information and storing the sales information in a storage medium of the relay management server 105.

The relay management server 105 stores the merchandise sales information and the sales information generated by processing the merchandise sales in a storage medium of the relay management server 105 (715), and each month determined by an agreement with the large communication company. When the settlement period is reached (720), the agency management server extracts the accumulated sales information for each period and the relay management server 105 extracts the accumulated total period sales information for each period from the storage medium of the relay management server 105 to obtain a network network. The large communication company server 110 through the transmission (725), the large communication company server 110 receives and confirms the sales information sent by the relay management server 105 generates the sales from the sales information After the extracted customer information is referred to the wired / wireless terminal number information, a callback SMS is generated and transmitted to the wired / wireless terminal of the customer (730).

For reference, the callback SMS confirms whether the customer has a transaction or not, and generates data from inappropriate sales information that purchases a product by stealing another person's name, and inputs of the inappropriate sales information to potential customers, systems, and system processing. And protects the information and is used for management of the customer and the relay management server (105).

The customer confirming the callback SMS received by the wired / wireless terminal of the customer generates a reply SMS to the callback SMS, that is, a callback reply SMS, and transmits it to the large communication company server 110 (735). The large telecommunication company server 110 checks the validity of the sales information through the matching between the customer information sending the callback reply SMS and the purchase customer information generating the sales and the relay management server 105 information generating the sales. (740).

Regarding the sales information validity determination through the callback reply SMS 745, the product sales information validity determination through the callback reply SMS is not valid, that is, the SMS that the callback reply SMS denies the purchase behavior or In the case of the SMS including the corresponding information or signal, the large communication company server 110 generates (extracts) information registration error information and rejects the input (750), and terminates the series of processing on the sales information. do.

If the callback reply SMS is an SMS of contents acknowledging a purchase activity or an SMS including corresponding information or a signal (745), the large communication company server 110 receives and confirms the callback reply SMS, and then the sales information. Is stored in a storage medium of the large telecommunications company server 110, the large telecommunications company server 110 generates the receivables information including information on the sales receivable corresponding to the cumulative sales information for each of the relay management server 105 After storing in the storage medium of the large telecommunications server 110 (755), the large telecommunications server 110 transmits the accounts receivable information to the relay management server 105 at the same time as the receivables issued (760), the relay management The server 105 receives and confirms the receivables information transmitted from the large communication company server 110 through a network, and stores the received receivable information in the storage medium of the relay management server 105 to store the large communication company. 110 and relay the management server is finished a series of processes for processing sales information between 105 (765).

8 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to an embodiment of the present invention.

The relay management server 105 is not a contract for providing a loan service to the relay processing server 100, that is, the relay management server 105 does not directly receive a loan through the relay management server 105. . Receiving a service to receive a loan service through guarantee of the receivables information by guaranteeing the receivables information through the validity of the receivables information and sales information held by the relay processing server (100) A contract is signed between the relay management server 105 and the relay processing server 100, and then a loan request is transmitted to the processing server 800, and the relay processing server 100 relays the contract. After receiving and confirming the loan request transmitted by the management server 105, the relay management server 105 requests the sales information, the receivable information, and the credit information (805).

For reference, although not shown in FIGS. 1, 2, 3, and 4, after the verification of the credit information, the sales information and the receivable information are combined with credit information to provide the loan service. It is a standard different from the manner of providing the loan to the relay management server 105, and direct or indirect loans from the loan processing server 120 according to the credit information or credit rating of the relay management server 105 It can be provided as, characterized in that applied to the criteria to be provided with direct or indirect debt from the large carrier server 110.

The relay management server 105 extracts the sales information and the receivable information from the storage medium of the relay management server 105 along with the credit information, and transmits it to the relay processing server 100 (810). The relay processing server 100 ) Checks the receivables information and sales information received from the relay management server 105 and confirms the validity of the receivables information (815), if the receivables information is invalid (820), information registration error in the server The information is generated (extracted) and rejected, and a series of processes relating to the processing of the loan information shown in FIG. 8 are completed (825).

When the receivable information received by the relay processing server 100 from the relay management server 105 is valid (820), the relay processing server 100 refers to the receivable information and the relay management server 105. Set a warranty limit for providing a loan service to the service provider, generate warranty collateral information, and store the warranty collateral information in a storage medium of the relay processing server 100 (830), and the relay processing server 100 When the loan application information together with the guarantee security information is generated and stored in the storage medium of the relay processing server 100 and the loan application information is transmitted to the loan processing server 120 (835), The loan processing server 120 checks the received loan application information and the guaranteed security information to determine whether to provide a loan service (840).

Since the guarantee collateral information and the loan application information submitted by the relay processing server 100 do not meet the loan examination criteria, the loan processing server 120 lends to the relay processing server 100 or the relay management server 105. If the service cannot be provided, the loan processing server 120 generates (extracts) information registration error information and transmits the information registration error information to the relay processing server 100 to complete a series of processes (850). ).

Guarantee collateral information and loan application information submitted by the relay processing server 100 pass the loan examination criteria, so that the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. When it is provided (845), the loan processing server 120 generates the loan application amount information, stores it in the storage medium of the loan processing server 120, and then sends the loan application amount information to the relay processing server 100 And pay the loan to the relay processing server (100) (855), the relay processing server 100 checks and stores the received loan application amount information, and then sends the received loan to the relay management server (105). In operation 860, the relay management server 105 receives a loan and receives a loan service corresponding to the loan request, and terminates a series of processes related to loan processing illustrated in FIG. 8.

9 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to an embodiment of the present invention.

The relay management server 105 is not a contract for providing a loan service to the relay processing server 100, that is, the relay management server 105 does not directly receive a loan through the relay management server 105. remind. Receiving a service to receive a loan service through guarantee of the receivables information by guaranteeing the receivables information through the validity of the receivables information and sales information held by the relay processing server (100) A contract is signed between the relay management server 105 and the relay processing server 100, and then a loan request is sent to the processing server 900, and the relay processing server 100 relays the contract. After receiving and checking the loan request transmitted by the management server 105, the relay management server 105 requests sales information, receivable information, and credit information (905).

For reference, although not shown in FIGS. 1, 2, 3, and 4, after the verification of the credit information, the sales information and the receivable information are combined with credit information to provide the loan service. It is a standard different from the manner of providing the loan to the relay management server 105, and direct or indirect loans from the loan processing server 120 according to the credit information or credit rating of the relay management server 105 It can be provided as, characterized in that applied to the criteria to be provided with direct or indirect debt from the large carrier server 110.

The relay management server 105 extracts the sales information and the account receivable information together with the credit information from the storage medium of the relay management server 105 and transmits it to the relay processing server 100 (910), wherein the relay processing server ( 100 checks the receivables information and sales information received from the relay management server 105 and confirms the validity of the receivables information (915), if the receivables information is not valid (920), information registration in the server The error information is generated (extracted) and rejected, and a series of processes related to the processing of the loan information shown in FIG. 8 are completed (925).

When the receivable information received by the relay processing server 100 from the relay management server 105 is valid (920), the relay processing server 100 refers to the receivable information and the relay management server 105. Set a warranty limit for providing a loan service to the service provider, generate warranty collateral information, and store the warranty collateral information in a storage medium of the relay processing server 100 (930), and the relay processing server 100 When the loan application information is generated together with the guarantee collateral information, the loan application information is generated and stored in the storage medium of the relay processing server 100 and the loan application information is transmitted to the loan processing server 120 (935). The loan processing server 120 checks the received loan application information and the guarantee security information to determine whether to provide a loan service (940).

Since the guarantee collateral information and the loan application information submitted by the relay processing server 100 do not meet the loan examination criteria, the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. If not provided, the loan processing server 120 generates (extracts) information registration error information and transmits the information registration error information to the relay processing server 100 to complete a series of processes (950). .

Guarantee collateral information and loan application information submitted by the relay processing server 100 pass the loan examination criteria, so that the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. When it is provided (945), the loan processing server 120 generates the loan application amount information and stores in the storage medium of the loan processing server 120, the relay processing server according to the request of the relay processing server 100 Sending loan application amount information to 100 and paying the loan directly to the relay management server 105 (955), the relay processing server 100 checks and stores the received loan application amount information (960), The relay management server 105 receives a loan, receives a loan service corresponding to the loan request, and terminates a series of processes related to loan processing shown in FIG. 8 (965).

10 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to an embodiment of the present invention.

The relay management server 105 is not a contract for providing a loan service to the relay processing server 100, that is, the relay management server 105 does not directly receive a loan through the relay management server 105. . Receiving a service to receive a loan service through guarantee of the receivables information by guaranteeing the receivables information through the validity of the receivables information and sales information held by the relay processing server (100) A contract is signed between the relay management server 105 and the relay processing server 100, and then a loan request is transmitted to the processing server 1000, and the relay processing server 100 relays the contract. After receiving and confirming the loan request sent by the management server 105, the relay management server 105 requests a connection to the relay management server 105 to extract the sales information, the receivable information, and the credit information ( 1005).

For reference, although not shown in FIGS. 1, 2, 3, and 4, after the verification of the credit information, the sales information and the receivable information are combined with credit information to provide the loan service. It is a standard different from the manner of providing the loan to the relay management server 105, and direct or indirect loans from the loan processing server 120 according to the credit information or credit rating of the relay management server 105 It can be provided as, characterized in that applied to the criteria to be provided with direct or indirect debt from the large carrier server 110.

The relay processing server 100 presents the agency information to the relay management server 105 and is allowed to access. Then, the relay processing server 100 extracts the sales information and the receivable information from the storage medium of the relay management server 105 together with the credit information. 1010, the relay processing server 100 checks the receivables information and sales information extracted from the relay management server 105 and confirms the validity of the receivables information (1015). If not (1020), the server generates (extracts) information registration error information, rejects it, and finishes a series of processes related to the processing of the loan information shown in FIG.

When the receivable information extracted by the relay processing server 100 from the relay management server 105 is valid (1020), the relay processing server 100 refers to the receivable information and transmits the receivable information to the relay management server 105. After setting a warranty limit for providing a loan service and generating warranty collateral information, the warranty collateral information is stored in a storage medium of the relay processing server 100 (1030), and the relay processing server 100 When the loan application information together with the guarantee collateral information is generated and stored in the storage medium of the relay processing server 100 and the loan application information is transmitted to the loan processing server 120 (1035), The loan processing server 120 checks the received loan application information and the guarantee collateral information to determine whether to provide a loan service (1040).

Since the guarantee collateral information and the loan application information submitted by the relay processing server 100 do not meet the loan examination criteria, the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. If it cannot be provided (1045), the loan processing server 120 generates (extracts) information registration error information and transmits the information registration error information to the relay processing server 100 to complete a series of processes. 1050.

Guarantee collateral information and loan application information submitted by the relay processing server 100 pass the loan examination criteria, so that the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. When it is provided (1045), the loan processing server 120 generates the loan application amount information, stores in the storage medium of the loan processing server 120, and then transmits the loan application amount information to the relay processing server 100 And pay the loan to the relay processing server (100) (1055), the relay processing server 100 checks and stores the received loan application amount information, and then transmits the received loan to the relay management server 105 1060, the relay management server 105 is provided with a loan service corresponding to the loan request by receiving the loan payment paid to the relay management server 105 via the relay processing server 100. This concludes the set of processes for loan processing shown on page 8 (1065).

11 is a diagram illustrating a process of processing loan information between a relay management server and a relay processing server according to another exemplary embodiment of the present invention.

The relay management server 105 is not a contract for providing a loan service to the relay processing server 100, that is, the relay management server 105 does not directly receive a loan through the relay management server 105. . Receiving a service to receive a loan service through guarantee of the receivables information by guaranteeing the receivables information through the validity of the receivables information and sales information held by the relay processing server (100) A contract is signed between the relay management server 105 and the relay processing server 100, and then a loan request is transmitted to the processing server (1100). The relay processing server 100 transmits the relay request. After receiving and confirming the loan request sent by the management server 105, the relay management server 105 requests a connection to the relay management server 105 to extract the sales information, the receivable information, and the credit information ( 1105).

For reference, although not shown in FIGS. 1, 2, 3, and 4, after the verification of the credit information, the sales information and the receivable information are combined with credit information to provide the loan service. It is a standard different from the manner of providing the loan to the relay management server 105, and direct or indirect loans from the loan processing server 120 according to the credit information or credit rating of the relay management server 105 It can be provided as, characterized in that applied to the criteria to be provided with direct or indirect debt from the large carrier server 110.

The relay processing server 100 presents the agency information to the relay management server 105 and is allowed to access. Then, the relay processing server 100 extracts the sales information and the receivable information from the storage medium of the relay management server 105 together with the credit information. 1110, the relay processing server 100 checks the receivables information and sales information extracted from the relay management server 105 and confirms the validity of the receivables information (1115), and the receivables information is not valid. If not (1120), the server generates (extracts) information registration error information and rejects it, thereby completing a series of processes related to the processing of the loan information shown in FIG. 11 (1125).

When the receivable information received by the relay processing server 100 from the relay management server 105 is valid (1120), the relay processing server 100 refers to the receivable information and the relay management server 105. Set a warranty limit for providing a loan service and generate warranty collateral information, and store the warranty collateral information in a storage medium of the relay processing server 100 (1130), and the relay processing server 100. When the loan application information is generated along with the guarantee collateral information, the loan application information is generated and stored in the storage medium of the relay processing server 100 and the loan application information is transmitted to the loan processing server 120 (1135). The loan processing server 120 checks the received loan application information and the guarantee collateral information to determine whether to provide a loan service (1140).

Since the guarantee collateral information and the loan application information submitted by the relay processing server 100 do not meet the loan examination criteria, the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. If not, the loan processing server 120 generates (extracts) information registration error information and transmits the information registration error information to the relay processing server 100 to complete a series of processes (1150). .

Guarantee collateral information and loan application information submitted by the relay processing server 100 pass the loan examination criteria, so that the loan processing server 120 provides a loan service to the relay processing server 100 or the relay management server 105. When it is provided (1145), the loan processing server 120 generates the loan application amount information and stores in the storage medium of the loan processing server 120, and then relay processing server according to the request of the relay processing server 100 Sending loan application amount information to the 100 and paying the loan directly to the relay management server 105 (1155), the relay processing server 100 checks and stores the received loan application amount information (1160), The relay management server 105 receives a loan, receives a loan service corresponding to the loan request, and terminates a series of processes related to loan processing shown in FIG. 11 (1165).

12 is a diagram illustrating a process additionally occurring in the process of processing the loan information presented according to another embodiment of the present invention.

When the relay management server 105 makes a contract for providing a loan service through the relay processing server 100 and transmits a loan request (1200), the relay processing server 100 receives the loan request and confirms the loan. Check whether the loan amount to be paid by the service is clearly indicated (1205), and if the loan amount is specified and included in the loan request (1210), the additional loan processing process shown in FIG. 12 may be terminated. do.

If the loan amount is not included in the loan request (1210), if it is not correct (1210), the relay processing server 100 requests the sales management information and the receivable information from the relay management server 105 (1215). The relay management server 105 extracts the sales information and the account receivable information from the relay management server 105 and provides the relay processing server 100 to the relay processing server 100 (1220). The relay processing server 100 requests a loan. After receiving and confirming, the relay management server 105 requests the sales information and the receivable information and the credit information (1225), and the relay management server 105 relays the sales information and the receivable information together with the credit information. When extracted from the storage medium of the server 105 and transmitted to the relay processing server 100 (1230), the relay processing server 100 checks the received receivable information and sales information and confirms the validity of the receivable information (1235)

When the relay processing server 100 receives the account receivable information and the sales information and determines that it is not valid for the validation (1240), the relay processing server 100 generates information registration error information (extraction). In order to reject the input and processing of the trade receivable information and the sales information, the loan processing process shown in FIG. 12 is terminated.

When the relay processing server 100 receives the trade receivable information and the sales information and determines that it is not valid for validation (1245), the relay processing server 100 refers to the trade receivable information and the warranty limit. Set and generate warranty collateral information and store it (1250), the relay processing server 100 transmits the warranty collateral information to the loan processing server 120, and then requests the loan product information (1255). The processing server 120 checks the received guarantee collateral information and the loan product information request, and then extracts the loan product information corresponding to the guarantee collateral information from the storage medium of the loan processing server 120 and transmits it to the relay processing server 100. In operation 1260, the relay processing server 100 receives and confirms the loan product information, generates loan application information, stores the information on the loan in the storage medium of the relay processing server 100, and processes the loan processing server 120. ) To terminate the series of processing procedures for the additional processing of the loan information shown in FIG.

13 is a diagram illustrating a process of processing a loan repayment according to an embodiment of the present invention.

The large communication company server 110 checks the loan application amount information of the relay management server 105 in a debt relationship (1300), and the large communication company server 110 on behalf of the relay management server 105 to make loans. After repayment (1305), paying the debt amount excluding loan repayment to the relay management server 105 to perform the receivable reimbursement and then generate the reimbursement information and update the receivables information (1310), the relay management server 105, after receiving the debt amount, updates the sales receivable information (1315), and the loan processing server confirms the repayment of the loan, corrects the loan application amount information and the guarantee collateral information, and then relays to the relay processing server 100; After transmitting and returning the guarantee collateral specified in the guarantee collateral information to the relay processing server 100 (1320), the relay processing server 100 receives and confirms the loan application amount information and the guarantee collateral information, and the drawing The process of repaying the loan shown in 13 is completed (1325).

14 is a diagram illustrating a process of processing loan repayment according to another embodiment of the present invention.

The large communication company server 110 checks the loan application amount information of the relay management server 105 in a debt relationship (1400), and the large communication company server 110 on behalf of the relay management server 105 to make loans. After repayment (1405), paying the debt amount excluding loan repayment to the relay processing server 100 by performing the receivables repayment after the large telecommunications server 110 performs the receivables reimbursement information and update the receivables information 1410, the loan processing server 120 confirms the loan repayment performed by the large communication company server 110, corrects the loan application amount information and the guarantee collateral information, and then returns to the relay processing server 100. After transmitting and returning the guarantee collateral specified in the guarantee collateral information to the relay processing server 100 (1415), the relay processing server 100 receives and confirms the loan application amount information and the guarantee collateral information (1420). Relay The processing server 100 checks the debt amount paid by the large telecommunication company server 110 and pays it to the relay management server 105 (1425), whereby the relay management server 105 receives the debt amount and then receives receivable information. Updating, it terminates the series of processes for processing the loan repayment shown in Figure 14 in accordance with an embodiment of the present invention (1430).

15 is a diagram illustrating a process of processing loan repayment according to another embodiment of the present invention.

The large communication company server 110 checks the receivables information stored in the storage medium of the large communication company server 110 (1500), the large communication company server 110 relays the debt amount for the agency server in the debt relationship After paying to the server 100 to perform the receivable reimbursement, and then generate reimbursement information and update the receivable information (1505), the relay management server 105 receives the debt amount to update the receivables information ( In operation 1515, the relay management server 105 determines whether a loan repayment period has arrived.

When the relay management server 105 determines that the loan repayment period has arrived, the relay management server 105 repays the loan to the relay processing server 100 (1520), and the relay processing server 100 makes a loan. After the application amount information is corrected and the loan is repaid to the loan processing server 120 (1525), the loan processing server 120 checks the loan repayment, corrects the loan application amount information and the guarantee collateral information, and then relays the processing server 100 ) And return the guarantee collateral specified in the guarantee collateral information (1530), and the relay processing server 100 receives and confirms the loan application amount information and the guarantee collateral information, and then processes the loan repayment process shown in FIG. (1535).

According to the present invention, it is possible to solve the difficulty of cash distribution of the agents due to the decrease in cash turnover caused by the pre-sales, post-payment structure in most agents that sell the products of the large carriers in the prior art, thereby The distribution structure between dealers can be more effectively improved, and since the distributors can carry out more powerful marketing activities than the fixed revenue incurred environment generated in the pre-sales and post-payment structures with the complementary funding force that can occur according to the present invention. Improved revenue growth is expected.

In addition, according to the present invention, the loan processing server associated with the financial system is relatively effective for customers who more effectively fit the loan products of the financial sector, that is, agents with reliable credit information and collateral, and relay processing servers on behalf of the agents. By providing a loan service that reduces the burden of financial risk and maintaining a stable repayment rate for the loan service, it is expected to increase profits through sales of effective loan products that are profitable for the financial sector. have.

Claims (1)

Information checking means for confirming sales of tangible / intangible goods in at least one distributor (or distributor); Information calculating means for calculating a sales fee for each distribution retailer (or a distribution agent) corresponding to the product sales record based on the confirmed product sales record; And After setting all or part of the calculated sales fee as collateral, a loan is made to a predetermined financial institution server for the distribution retailer (or a distribution agent), and the financial institution server is provided with all or part of the loan application amount as allowance. Loan processing relay server comprising a; loan application and allowance deposit means for depositing.

Images