a lending method of on-line's cyber account used for a surtax- information of movile

摘要

PURPOSE: A method for a loan of an on-line cyber account is provided to prevent the leakage of the personal information in advance by performing the loan service through the input of the number and password of a mobile phone, and to activate the on-line e-commerce by depositing and refunding the loan money through an open cyber account. CONSTITUTION: A client accesses a web site operated by a host server and requests the e-money loan(S1). The client requests a mobile telephone carrier to transfer the client data, such as the number and password of the mobile phone, to the host server(S3). The host server requests the credit evaluation of the client by transferring the client data to the server of a credit evaluation institute(S4). After receiving the result of the credit evaluation from the server of the credit evaluation institute, the host server requests the e-money loan by transferring the result and client data to the server of a payment institute(S5). The host server transfers the loan approval data to the mobile phone of the client in short message service(S6). The host server requests the open of a bank account by transferring the loan approval and client data to a bank server(S7). After the host server receives the data about the bank account from the bank server, the cyber account composed of the number and password of the mobile phone is allocated to the host sever(S8). The client requests the payment institute server to deposit the e-money loan to the own bank account(S9).