BORROWING TRANSACTION METHOD BETWEEN INDIVIDUALS BASED ON ELECTRONIC DOCUMENTS
The present invention refers to a new system capable of receiving loan money brokerage account name and authentication of electronic document processing [...] brokerage brokerage terminal for authenticating said user has the user after generating the former money granted to said terminal when said electronic document delivery [...] creditors creditors based on approved [...] electronic document by the loan transaction brokerage creditors have borrowed money to said electronic document number [...][...] former solution while stored in the electronic document in an appointed storage medium the enhanced security managing brokerage borrowed money received liquid to liver loan transaction brokerage document template to personal [...] number are disclosed. Money be rented or lent money between personal number generated degree since former transaction continuously been came, such personal liver loan transaction is un number table format fields may cause performance is the most important personal between pointing out is coming in now. The personal liver loan transaction is the general number [...] ear region in a table format is created personal liver billion, chamber number created mostly liver loan transaction example in personal [...] rare disclosed. I.e., most of known characteristics which occur among different liver loan transaction is usually bigger than the unit on personal finance, liver loan transaction [...] relatives of each other creating personal name in relationship since most of cladding is also a great interest rate action hatch specular remaining in liver loan transaction does not [...] personal created. In particular when creating a small car example linear [...] rare disclosed. And the personal financial fraud phishing to generate converted from an [...] liver loan transaction is voice etc. suspension setup menu. For example, personal information of another person by stealth countlessly prevents hackers during exposed when the password to the password corresponding to the personal information fraud case that require bigger than the demanded the disambiguated with relatives relationship table stores window money without considering suspected door number point have disclosed. While writing or loan transaction [...] about through conventional offline through cash transfer program loaded on the way through (Public Patent Notification number 10 - 2006 - 0020994 (2006. 03. 07) call) but is loose bar number, this is made through the second nitride film loan transaction server through automating makeup offline configurations 20, liver loan transaction fraud phishing to generate converted to personal voice to prevent the fixing point is e-financial etc. multiplexer with number. The purpose of the invention to remove the number point such as said door, a new brokerage system capable of receiving loan money brokerage terminal authentication processing after generating the electronic document [...] brokerage accounts with the name for authenticating said user has the user loan money granted to said terminal when said electronic document delivery [...] creditors creditors based on approved [...] electronic document by the loan transaction brokerage creditors have borrowed money to said electronic document number former liquid storage medium for archiving the electronic document in an appointed [...][...] while managing, electronic document storage procedure of [...] to enhanced security and performing authentication brokerage, [...] former transaction procedure performed based on electronic document transfer path financial brokerage account borrowed money borrowed money from creditors of bank account phone to receive liquid separation to the financing that receives a transaction between liquid with the use of borrowed money in enhanced security and performing authentication brokerage to brokerage is enhanced security for receiving liquid brought to a method for the electronic document authentication brokerage liver loan transaction number [...] a semi personal can be recycled. The method the present invention according to electronic document based personal liver loan transaction, receiving loan money to an individual who has executed in brokerage terminal in communication with server method, said former money to the user comprises information sent from the terminal brokerage brokerage said creditors brokerage said personal information and account contains information to solve the problem for receiving loan information including said former money from creditors [...] and receives information about a number 1, said personal information corresponding to the personal information of brokerage brokerage fpr and authenticates that the user authentication brokerage number 2, when said personal information registered account information designated financial server for authenticating said brokerage brokerage based on association with said brokerage account information corresponding to the account name is decides whether the user decides a brokerage of financial accounts for authenticating said authentication number 3 fpr and authentication, the brokerage account name of said user authentication information corresponding to the former said liquid from said specific brokerage said upon authentication creditors loaned money borrowed money receives the electronic document [...] former conducting a transaction demonstrated car-generating and number 4, creditors terminal using said electronic document information corresponding to the creditors have said creditors [...] fpr and delivery number 5, said electronic document from the electronic document is modified by creditors receive said [...][...] creditors terminal when an electronic document after said transferring said modified [...] fpr a brokerage terminal further receives said electronic document or modified [...] agree brokerage terminal modified from said transferring procedure performed at least 1 times creditors terminal, when an acknowledgment for said electronic document from said [...] creditors terminal based on said information of said electronic document approved [...] borrowed money from said liquid transfer path and said at least one financial brokerage transaction phone financial accounts creditors [...] borrowed money to receive said liquid-linked with transaction that receives financial fpr and number 6, said electronic document in an appointed financial procedure used [...] fpr number 7 electronic document storage storing in the record medium comprising the following steps. According to the present invention, at least two of disparate network coupling said number 2 step said brokerage are available user authentication procedure, said at least two medium determines the position of the brokerage combining user authentication procedure, said brokerage OTP (One Time Password) using disk media with OTP based user authentication procedure, said brokerage Certificate using user authentication procedure, a combination of at least one or more authentication procedure can be performed. According to the present invention, said number 4 step using said electronic document to said brokerage Certificate [...] fpr brokerage portals can be associated with the electronic signature. According to the present invention, personal liver loan transaction method is based on said electronic document, said electronic document is delivered [...] when creditors terminal, said electronic document using said electronic signature of creditors to creditors Certificate [...] fpr can further include the step of portals. According to the present invention, financial procedure of said liquid in said borrowed money deposit account phone relay designated by creditors to an financial accounts, brokerage said user has borrowed money receiving transaction brokerage terminal for said liquid is circulated and announcing, said system capable of receiving said user authentication procedure or brokerage transactions brokerage terminal using said Certificate brokerage transaction brokerage electronic signature and processing said receiving, said brokerage user authentication or electronic signature when the number a financial brokerage account credited borrowed money solution procedure for the user information relay said performing said at least one or two or more can be procedure. On the other hand said financial procedure using said electronic document to said brokerage Certificate approved electronic signature can further include the step of processing said [...] brokerage. According to the present invention, personal liver loan transaction method is based on said electronic document, said financial brokerage account said liquid further comprises notifying a fact borrowed money deposit transaction brokerage terminal can be. According to the present invention, personal liver loan transaction method is based on said electronic document, said electronic document stored in the storage medium based on said loan transaction interest payment related electronic document [...] discriminates whether a verifying financial business, said interest payment related financial business in identifying generation, said electronic document from said designated account interest amount based on said calculated [...] brokerage interest amount by said phone creditors of the specified the user information or said said creditors of the specified account interest payment fpr said interest deposit transaction amount of transaction brokerage is substantially identification procedure performing substantially identifying interest payment, payment amount when said amount corresponding to said brokerage interest brokerage interest payment of creditors can further include the step of performing a tax payment. On the other hand said brokerage interest amount corresponding to electronic document further comprises storing the wet wipes are wet wipes are generates interest can be. On the other hand said interest payment procedure or when a previously failed substantially said interest payment, said interest payment procedure failure or interest payment substantially corresponding to said information terminal further comprises a previously notifying creditors can be. According to the present invention, personal liver loan transaction method is based on said electronic document, said electronic document stored in the storage medium based on borrowed money loaned money related financial service verifying the electronic document [...] discriminates whether a liquid, said liquid when identifying generation of financial business related redeemed borrowed money, said electronic document [...] repayment calculated based on said liquid from said liquid by said designated brokerage account identification or repayment phone creditors of the specified the user information or brokerage account is paid out said fpr redeemed said liquid deposit transaction identifying creditors of the specified repayment amount substantially said identification procedure performing substantially redeemed, said value of said terminal when said redeemed value of a message informing that the brokerage brokerage creditors can further include the step of redeeming coupons. On the other hand said electronic document corresponding to the redeemed amount borrowed money solution brokerage generates further comprises storing can be redeemed. On the other hand said amount when said amount previously redeemed procedure substantially fails or redeemed, said amount redeemed amount substantially corresponding to said information previously redeemed failure procedure further comprises notifying a terminal can be creditors. Said liquid is said repayment amount borrowed money while some of the liquid, or said including a borrowed money can be. According to the present invention, system and method for generating an individual seat between approved brokerage [...] billion liver loan transaction table format stored electronic document box number, electronic document to generate associated authentication in storing [...] brokerage than by enhancing, liver loan transaction phishing to generate converted to personal financial fraud stresses comprises blocking voice suspension setup menu. According to the present invention, created based on liver loan transaction agreed to between approved brokerage [...] in personal electronic document processing, said personal liver loan transaction procedure of creditors receive financial brokerage account borrowed money borrowed money liquid transfer path and the customer phone banking account from the financing that receives the same is treated with the use of separating liquid, brokerage is borrowed money for receiving liquid separately subjected to enhanced security brokerage authentication by, liver loan transaction phishing to generate converted to personal financial fraud stresses comprises blocking voice suspension setup menu. Figure 1 shows a liver loan transaction system of the present invention embodiment method according to electronic document based personal surface also shown are disclosed. Figure 2 shows a electronic document creation process of the present invention embodiment method according to [...] surface also shown are disclosed. Figure 3 shows a heat exchange process of the present invention embodiment method according to electronic document shown side [...] also are disclosed. Figure 4 shows a process of the present invention embodiment method according to the electronic document based loan transaction [...] also shown are disclosed. Figure 5 shows a process of the present invention embodiment method according to the electronic document based loan transaction [...] also shown are disclosed. Figure 6 shows a one embodiment method according to the process of the present invention electronic document based interest payment [...] also shown are disclosed. Figure 7 shows a another embodiment method according to the electronic document based interest payment process of the present invention also [...] shown are disclosed. Figure 8 shows a one embodiment method according to the process of the present invention electronic document based amount redeemed [...] also shown are disclosed. Figure 9 shows a another embodiment method according to the process of the present invention electronic document based amount redeemed [...] also shown are disclosed. Detailed description of the present invention preferred embodiment hereinafter with reference to the attached drawing and the principle of the motion relative to each other. Only, and features of the present invention shown diagrammatically to carry effectively account for drawing which description is a preferred embodiment method method will be relative to the various approaches, the present invention is of the following drawing and description only and not limited. I.e., in the embodiment of the present invention is to form a union in the embodiment corresponding to a preferred during many in the embodiment in the form of for example, in the embodiment of the following in the embodiment (or steps) to eliminate a specific configuration in, or specific configuration (or steps) is embodied on the function split into a specific configuration in the embodiment (or steps), or more (or steps) of any one of the configurations in the embodiment implemented function incorporating (or steps), for replacing a specific configuration (or steps) in the embodiment of order or the like, in the embodiment of the present invention referred to as to form a is installed at one without range it is apparent that it is required are found by both rights. In addition in the embodiment implemented in server side to form a composed in part implemented server side in the embodiment in addition to the same terminal side, to form a terminal side or counter in the embodiment composed in part implemented in the embodiment of the present invention are both implemented in server side terminal and it is apparent that by using the same range of rights required are it is found. In the embodiment of the following the reference in the embodiment of the present invention filing date receives a complementary set or subset corresponding to a start are various may be clearly which informs it is divided. In addition, in the present invention for are described publicly known function or configuration is formed on the associated description is the subject matter of invention specifically breach can be decided to omit description if the analogy will. In the present invention is defined as the ability to carry and which terms of the terms, this user, depending on intended or which said operator such as can be. Therefore its definition in the present invention will been commanded based on throughout the content. As a result, they can be determined by technical idea of the present invention range, hereinafter in the embodiment of the present invention is technical idea in the present invention is inventive person with skill in the art message is provided to account for only one means are disclosed. The drawing of the present invention embodiment method according to electronic document based personal liver loan transaction system shown in drawing 1 are disclosed. More specifically the drawing 1 former money is receiving new brokerage brokerage terminal (180) for authenticating electronic document processing system capable of brokerage accounts with the name [...] after generating the authentication of the user in the real car money said creditors creditors terminal (185) delivering to said electronic document when said electronic document approved [...][...] granted by the loan transaction brokerage creditors have borrowed money based on liquid while said electronic document to an appointed storage electronic document number [...] car [...] storage medium managing security document template to said received liquid to the enhanced brokerage borrowed money personal number liver loan transaction brokerage system shown [...] configuration of provided, if a person with skill in the art in technology field of the invention, the drawing 1 by deforming the reference and/or said electronic document based personal liver loan trading system to perform various embodiment method (e.g., additional configuration portion exposed to light, or refinement or, or so United embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 1 techniques characteristics not only defined therein. The system of the present invention, utilizes a cash loan for receiving loan money [...] brokerage is used in electronic document at least one brokerage terminal (180) and, said former money to creditors by the user has at least one brokerage creditors terminal (185) and, said brokerage terminal (180) for authenticating electronic document processing system capable of brokerage accounts with the name [...] after generating the authentication of said former money by the creditors in the real creditors terminal (185) delivering to said electronic document when said electronic document approved [...][...] granted based on the present invention according to liver loan transaction brokerage creditors have borrowed money to said electronic document by the former liquid personal storage medium for archiving an appointed number [...][...] while managing electronic document processing operation server (100) which, at least one of the present invention according to the present invention according to various user authentication to account name authentication for trading at least one financial service car or used in authentication processing financial server (190) further includes, for managing electronic document or electronic document storage for storing said electronic document [...][...] involved in generating said electronic document server (195) including combustion chamber. According to of the present invention embodiment method, said management server (100) includes at least one server or more can be embodied in the form of server combination, under financial Company server, a separate server operating with financial it buys server and contents, at least one or more electric window is managed by financial provider server can be embodied in the form of a combination of, said management server (100) defined mainly by operating the present invention implements a scheme not substrate. If a detailed description of the invention in the embodiment in said management server (100) as a main described description must operating server (100) is processed in such function is relayed number but meaning that the number of the washing ball, if necessary operating server (100) is disclosed description mainly consisting of the financial server (190) or electronic document server (195) or processed through operating server (100)/processed in conjunction with a request to each server is confirmed by required are found contains up to it is apparent that it is. Said brokerage terminal (180) receive loan money is used as a general term whose brokerage, brokerage is preferably can be used in a cash loan for [...] electronic document. According to of the present invention embodiment method, said brokerage terminal (180) is a new method for arbitrating various brokerage, brokerage (or owned) determines the position of the various wireless terminal (e.g., mobile phone, smart phone, such as tablet PC) and using like can include both, said brokerage terminal (180) of the present invention connecting holes which are defined to navigate to a communication function or kind or other. Preferably, said brokerage terminal (180) is the present invention according to brokerage terminal (180) can be mounted to each for performing operation of. Said creditors terminal (185) is used as a general term by the loan money to creditors whose brokerage, preferably creates a cash loan for authorizing electronic document can be used [...]. According to of the present invention embodiment method, said creditors terminal (185) using the creditors have various wire terminal, determines the position of the creditors (or owned) (e.g., mobile phone, smart phone, such as tablet PC) and using various wireless terminal including both such as can be, said creditors terminal (185) of the present invention connecting holes which are defined to navigate to a communication function or kind or other. Preferably, said creditors terminal (185) is the present invention according to creditors terminal (185) for performing operation of can be mounted to each. Said financial server (190) is car-the present invention according to at least one financial service transaction processing server as a general term, according to the present invention according to embodiment method can be used in authentication of at least one of authentication of various user authentication to account name. If approved brokerage customers of a financial institution when is copper, said financial server (190) is can be said with a financial institution server. If said other approved brokerage customers of a financial institutions when, said financial server (190) includes at least two server with new approved brokerage each financial institution can, in this case each financial institution server communicating with each other by way can be financial [...]. Said electronic document server (195) receives all the present invention according to procedure is complete (or acknowledgement) electronic document storage medium of a server which stores and manages the electronic document in an appointed [...] as general term, according to the present invention according to embodiment method [...] generation electronic document can be involved. According to of the present invention embodiment method, said electronic document when said electronic document server for managing a financial institution that used in said creditors [...] (195) is a financial institution that is used can be server of said creditors, or said electronic document when said electronic document server for managing a financial institution that used in said [...] brokerage (195) is a new brokerage said server of financial institution can be. Or said electronic document server (195) is of using electronic document storage business processing can be of public IP address server. Said management server (100) is liver loan transaction server side embodiment mainly corresponding to the present invention according to electronic document based personal server as a general term, under financial institution server (or server combination), separate operating provider server (or server combination), operating the merchant financial institution server (or server combination) are associated, such as at least two same combined form, can be tube, not be limited to physical one server 2000. Preferably, the detailed description of the invention a managing server (100) of the present invention according to configuration server side viewing the program code implementing the functionality implemented preferably. Referring to the drawing 1, said managing server (100) is, brokerage terminal (180) from said former money to the user comprises information to solve the brokerage said brokerage creditors from said personal information and account contains information for receiving loan information including [...] former money creditors receives information about information reception portion receives (105) on, brokerage corresponding to the personal information of said user authenticates that the user authentication unit for authenticating brokerage brokerage fpr brokerage (110) on, said personal information and account information designated brokerage based on financial server (190) interacts with a brokerage account information to said corresponding to the financial account of said customer authentication of users is the brokerage account name whether authentication for authenticating users fpr brokerage account authentication unit (115) on, said former receives liquid from said identification information corresponding to the former said creditors brokerage borrowed money loaned money loan conducting a transaction generating the electronic document demonstrated [...] electronic document generation unit (120) contact with each other. Brokerage terminal (180) or said driving operating server program to create the electronic document [...] (100) by connecting, for inputting information for designated [...][...] creation interface phenoxyethanol. Said brokerage terminal (180) is created via the user interface to the user said [...] said brokerage information selects and/or said former money creditors/brokerage to solve the personal information (e.g., brokerage name, brokerage indicate an address of (or intended number), brokerage mobile phone number to telephone number communication Company information, such as brokerage mail address) on account information (e.g., brokerage bank information, brokerage account number) and/or said former money to the user selects input/brokerage for receiving loan information selects/former money from creditors. According to of the present invention embodiment method, said brokerage terminal (180) is said electronic document identifying creditors receive [...][...] creating interface information including identification information creditors/creditors can be selected. For example, creditors said identification information of said creditors ID, name creditors, creditors of mobile phone number, telephone number creditors, creditors of mail address can be like. According to of the present invention embodiment method while, said creating said personal information of said interface interpretation method approved the brokerage [...] creditors (e.g., creditors name, creditors indicate an address of (or intended number), creditors of mobile phone number (or telephone number) communicates with transfer information, such as creditors of mail address) or comprising and/or creditors of account information (e.g., creditors bank information, creditors account number) can be at least one of information. According to of the present invention embodiment method, said loan information is borrowed money liquid, loan temporarily, duration or temporary redeeming coupons redeemed, in redeeming coupons, derivative, interest payment type, comprising at least one of delay damage gold provision can. Said loan information while said example configuration information only which are not limited to, loan of object or form or in some information according to various further comprising information can be omitted. Just said loan information from said plural preferably including a borrowed money receiving brokerage is car-creditors. Said information reception portion receives (105) is said brokerage terminal (180) to solve the former money from personal information and account contains information from said brokerage creditors for receiving said information including information for former information which creditors creditors [...] receives a. Said information reception portion receives (105) through said [...] information is received, said brokerage user authentication unit (110) said one or more terminals is used conjunction with a brokerage (or owned) corresponding to the personal information of user authentication procedure for authenticating said brokerage customer brokerage brokerage a plurality of hierarchies. In the embodiment of the present invention number 1 according to user authentication brokerage, brokerage said user authentication part (110) has a brokerage said personal information (e.g., user inputs or financial institution or credit information etc.) designated real name with authority at the external server to said personal information number [...] brokerage based on authentication processing can be fpr brokerage capable to solve the problem. In the embodiment of the present invention number 2 according to user authentication brokerage, brokerage said user authentication unit (110) is used at least two heterogeneous communication network a heterogeneous brokerage terminal different one of at least two terminal using authentication procedure with an authentication component for authenticating a user brokerage (or terminal medium) can be performed. For example, brokerage said user authentication unit (110) is in mobile wireless terminal owned brokerage authentication method for arbitrating receives through brokerage prepares same receives authenticating can be fpr. In the embodiment of the present invention number 3 according to user authentication brokerage, brokerage said user authentication unit (110) includes a different one of a heterogeneous heterogeneous network user has terminal brokerage terminal capable of multiple access (e.g., system and method for multiple access data network such as smart phone) to solve the problem using authentication procedure with an authentication component for authenticating a brokerage can be performed. For example, brokerage said user authentication unit (110) is authenticated via telephone brokerage smart phone number can take place after it receives data network forwarding the brokerage through smart phone to receive through fpr authenticating can be. In the embodiment of the present invention number 4 according to user authentication brokerage, brokerage said user authentication part (110) has a brokerage (or mobile) at least two medium used different heterogeneous medium (e.g., such as smart phone/cellular phone/cellular phone user has brokerage brokerage said smart phone such as a thermometer and medium interface terminal medium available brokerage (or mobile) owned portable medium (e.g., non-contact IC card, RF card, NFC card, NFC non-OTP card, BLE medium, such as RFID tag) to solve the problem using authentication procedure with an authentication component for authenticating a brokerage can be performed. For example, brokerage said user authentication part (110) has a brokerage through said portable medium (or owned) reliability of brokerage smart phone recognizer receives an authentication code authenticating can be fpr. In the embodiment of the present invention number 5 according to brokerage user authentication, said brokerage user authentication unit (110) is a brokerage (or mobile) determines the position of the OTP (One Time Password) medium (e.g., OTP generator, provided OTP [...] smart phone/cellular phone, such as OTP card generating function) generated through a brokerage OTP setting input terminal or a delivery component for authenticating a user by authenticating brokerage receives authentication procedure can be performed. In the embodiment of the present invention number 6 according to brokerage user authentication, said brokerage user authentication unit (110) is used (or mobile) terminal or brokerage owned brokerage with medium (e.g., for at least one financial transaction such as the Certificate) brokerage said Certificate to solve the problem using Certificate-based authentication component for authenticating a user brokerage through authentication procedure can be performed. In the embodiment of the present invention number 7 according to user authentication brokerage, brokerage said user authentication part (110) has at least two or more said number 1 to number 6 brokerage user authentication in the embodiment at least partially in the form of combination or modified can be brokerage user authentication fpr, either for authenticating a user brokerage said specific in the embodiment defined by the present invention is not disclosed. I.e., brokerage said user authentication unit (110) is capable of authenticating the user whether all existing brokerage said coil in either embodiment to all user authentication scheme including the deformed/future it is apparent that it is required are found. For example, the number 1 to number 7 in the embodiment of at least one of authenticating said user authentication brokerage brokerage (or dynamically) can be processed in the embodiment is able to select/determined. According to of the present invention embodiment method, said brokerage user authentication unit (110) through said [...] information corresponding to the personal information of the present invention according to electronic document is included only if there is a brokerage liver loan transaction brokerage customer brokerage based personal number ball 1308. I.e., the present invention according to electronic document based personal liver loan transaction is associated by the loan money receiving loan money than creditors brokerage authentication by enhancing the, personal financial accident door number can be eliminated liver loan transaction raw water. However the former money payer authentication procedure such procedure the glad brokerage with peripheral equipment both tolerant, and subjected to the present invention refers to enhancing the authentication procedure at least brokerage, the enhanced to an authentication procedure by liver loan transaction can occur in various personal financial accident (for example, voice phishing, financial fraud, authentication for users) can be prevented. Said brokerage user authentication unit (110) through said brokerage customer whether or not authenticated, said brokerage account authentication unit (115) is based on personal information and account information designated brokerage said financial server (190) interacts with a brokerage account information to said corresponding to the financial account of said customer decides whether brokerage account is the name of an authentication procedure with an authentication for authenticating users authentication a plurality of hierarchies. According to of the present invention embodiment method, said brokerage account authentication unit (115) is said brokerage account information corresponding to said brokerage account information read confirms that the established financial brokerage account financial institutions (stage, of the present invention electronic document based personal liver loan transaction a particular financial institution corresponding to the proposal of financial institution financial institution identification procedure can be omitted when the ball number only), financial server corresponding to said identified financial institutions (190) personal information and account information by [...] brokerage to said number, said financial server (190) through brokerage account information corresponding to the financial account of said users to the personal information of said users corresponding client is a request for authenticating whether the authentication brokerage, said financial server (190) brokerage account information from said customer users of financial account corresponding to said authentication result whether the brokerage receiver ball number is for authenticating users. According to of the present invention embodiment method, said brokerage account authentication unit (115) through said [...] brokerage account information corresponding to information included in the present invention according to electronic document based personal liver loan transaction brokerage is only if there is a user decides a brokerage 1308. ball number. I.e., the present invention according to electronic document based personal liver loan transaction is associated by the loan money receiving loan money than creditors brokerage authentication by enhancing the, personal financial accident door number can be eliminated liver loan transaction raw water. However the former money payer authentication procedure such procedure the glad brokerage with peripheral equipment both tolerant, and subjected to the present invention refers to enhancing the authentication procedure at least brokerage, the enhanced to an authentication procedure by liver loan transaction can occur in various personal financial accident (for example, voice phishing, financial fraud, authentication for users) can be prevented. Said brokerage user authentication unit (110) brokerage through Internet banking can be authenticated said brokerage account authentication unit (115) through brokerage financial account users is authenticated, said electronic document generation unit (120) includes said identification information corresponding to the borrowed money from said liquid under said creditors brokerage car seat, said loan information according to the embodiment method according to a content of interest and/or principal borrowed money liquid promotions Certificate can use the former conducting a transaction brokerage and proving the deny the electronic document cannot be demonstrated specific [...] generate musical sound. Preferably, said electronic document generation unit (120) is calculated by substituting the form specified electronic document information contained in the configuration information for said [...][...] electronic document can be generate. In the embodiment of the present invention number 1 according to [...] generating electronic document, said electronic document generation unit (120) includes generating said electronic document including information about information [...][...] while, said new brokerage owned (or mobile) medium with said terminal or brokerage to solve the problem (e.g., for at least one financial transaction such as the Certificate) Certificate brokerage through said electronic signature for said electronic document to produce [...][...] information or brokerage to solve the problem, to solve the problem by attaching said electronic document to said electronic signature generated brokerage [...], brokerage said identification information corresponding to the former said liquid from said creditors borrowed money loaned money loan conducting a transaction receives the electronic document generating [...] car can be demonstrated. In the embodiment of the present invention number 2 [...] according to generating electronic document, said electronic document generation unit (120) includes generating said electronic document including information about information [...][...] while, said electronic document to said [...] brokerage user authentication unit (110) and/or said user authentication unit appends the brokerage through user authentication result or brokerage (110) by attaching a brokerage through user authentication process log, said former receives liquid from said identification information corresponding to the former said creditors brokerage borrowed money loaned money generating the electronic document can be demonstrated [...] former conducting a transaction. In the embodiment of the present invention number 3 according to [...] generating electronic document, said electronic document generation unit (120) includes generating said electronic document including information about information [...][...] while, said electronic document to said [...] brokerage account authentication unit (115) and/or said appends the name of an authentication result through brokerage account or brokerage account authentication unit (115) through an authentication process by attaching a brokerage account name of log, said former receives liquid from said identification information corresponding to the former said creditors brokerage borrowed money loaned money generating the electronic document can be demonstrated [...] former conducting a transaction. In the embodiment of the present invention number 4 according to [...] generating electronic document, said electronic document generation unit (120) includes generating said number 1 to number 3 in the embodiment [...] combination or two or more electronic document by creating a form [...] partially transforming the electronic document, said former receives liquid from said identification information corresponding to the former said creditors brokerage borrowed money loaned money generating the electronic document can be demonstrated [...] former conducting a transaction. Said electronic document generation unit (120) includes a [...] can be temporarily storing said generated electronic document, said electronic document created by a brokerage to inform the creditors approved and/or modify [...] or can be processed to the procedure is performed. Referring to the drawing 1, said managing server (100) is, creditors using said information corresponding to the creditors have creditors terminal (185) fpr [...] electronic document to said electronic document delivery section (125) having, said electronic document to said [...] creditors out of no personal information or account information when said creditors terminal (185) effective to solve the problem through said personal information or account information registration of the creditors information registry (130) on, said creditors terminal (185) contained in said electronic document to the personal information of a user or customer [...] creditors corresponding creditors fpr creditors user authentication unit for authenticating user authentication creditors (135) on, said creditors terminal (185) contained in said electronic document or a user personal information registered account information designated [...] creditors based on financial server (190) interacts with said account information corresponding to the financial account of the user decides to creditors decides whether said authentication account name fpr creditors account creditors authentication of an authentication unit (140) further comprises at least one can be. Said electronic document generation unit (120) through said electronic document [...] is once created, said electronic document transmission part (125) is included in said electronic document or [...][...] creditors based on information in the real creditors creditors terminal (185) delivery procedure [...] said electronic document into a plurality of hierarchies. According to of the present invention embodiment method, creditors in the real creditors terminal (185) electronic document [...] liver loan transaction processing program based on the personal data such said electronic document transmission part (125) is said creditors terminal (185) of programs for delivering electronic document by performing said [...] push notification procedure, creditors terminal (185) delivering to said electronic document can be [...]. Or said electronic document transmission part (125) is said creditors terminal (185) for delivering electronic document corresponding to said mobile telephone message is sent or [...] fpr, or said mail address information included in said electronic document [...] creditors creditors for delivering e-mail can be sent. Or said electronic document transmission part (125) is ARS server (not shown) interlocking with said electronic document to creditors for wireless/telephone [...] for delivering telephone call can be connecting. I.e., said electronic document transmission part (125) is all through the means of an existing (or coil/deformation) said creditors terminal (185) delivering to said electronic document can be [...] fpr. Said electronic document transmission part (125) through the association with electronic document transfer procedure [...] creditors terminal (185) has a designated controller program or said management server (100) by connecting, said [...] electronic document for displaying or and/or certain personal information such as name or, and/or at least a portion of modifying or and/or authorizing electronic document [...][...] electronic document can be phenoxyethanol related interface [...] creditors side. Preferably, said creditors terminal (185) is said creditors said electronic document can be displaying [...][...] related interface through side to obtain the desired information. If the display receiving said electronic document to said personal information and/or the configuration of the creditors a [...] no account information when, said creditors terminal (185) is effective to solve the problem through said creditors side from said personal information and/or related interface [...] creditors creditors/input account information downloaded from, said selected said valid personal information and/or account information input/creditors a detailed system of said management server (100) can be sent. Said information registration unit (130) includes said creditors terminal (185) creditors side from said selected said valid personal information input related interface [...]/creditors to solve the problem and/or account information is received to be. On the other hand said electronic document transmitted to said personal information and/or account information [...] creditors when, said creditors terminal (185) is included in the personal information of said electronic document [...][...] related interface through said creditors side and/or account information input/creditors selected operating server receives said customer identification information creditors (100) can be sent to, said information registration unit (130) includes said creditors terminal (185) and/or account information from said personal information creditors creditors can be receiving confirmation information to solve the problem. Or said electronic document transmitted to said personal information and/or account [...] creditors are placed at both sides that at least one of modifying the creditors have but when, said creditors terminal (185) is said personal information and/or account information said modified operating server (100) can be sent to, said information registration unit (130) includes said creditors terminal (185) receiving information from said personal information and/or account can be modified creditors. Said information registration unit (130) through the configuration of the creditors when deemed identified, said creditors user authentication part (135) includes one or more terminals (or owned) using said creditors have connection with corresponding to the personal information of said user authenticating user authentication creditors creditors creditors can be fpr. In the embodiment of the present invention number 1 according to user authentication creditors, creditors said user authentication part (135) is creditors said personal information (e.g., user inputs or financial institution or credit information etc.) designated real name with authority at the external server to said authentication processing based on the personal information on the number [...] creditors creditors can be fpr capable to solve the problem. In the embodiment of the present invention number 2 for authenticating according to creditors, creditors said user authentication part (135) is creditors have different one of at least two terminal using a heterogeneous using at least two heterogeneous communication network terminal (or terminal medium) for authenticating a user of creditors can be performing an authentication procedure. For example, creditors said user authentication part (135) in mobile wireless terminal is owned creditors wired terminal receives the same creditors prepares authentication receives authenticating can be fpr. In the embodiment of the present invention number 3 according to user authentication creditors, creditors said user authentication part (135) is creditors have different one of heterogeneous network using terminal a heterogeneous terminal capable of multiple access (e.g., system and method for multiple access data network such as smart phone) performs an authentication procedure for authenticating a user of the creditors can be. For example, creditors said user authentication part (135) is authenticated via smart phone forwarding the telephone number of creditors of creditors can take place after it receives through smart phone to receive through data network authenticating can be fpr. In the embodiment of the present invention number 4 according to user authentication creditors, creditors said user authentication part (135) is creditors have (or mobile) at least two medium using different heterogeneous medium (e.g., creditors for wireless/mobile phone/smart phone such as a thermometer and said medium using creditors have such as a smart phone (or mobile) terminal medium interface available creditors owned portable media (e.g., non-contact IC card, RF card, NFC card, NFC non-OTP card, BLE medium, such as RFID tag) for authenticating a user of the creditors can be performing an authentication procedure. For example, creditors said user authentication part (135) through said creditors have a smart phone is portable (or owned) creditors of portable media recognizer receives an authentication code authenticating can be fpr. In the embodiment of the present invention number 5 according to creditors user authentication, said creditors user authentication part (135) determines the position of the creditors (or mobile) is a OTP (One Time Password) medium (e.g., OTP generator, provided OTP [...] smart phone/cellular phone, such as OTP card generating function) generated through a setting input terminal or a delivery of OTP creditors by authenticating a component for authenticating a user of creditors receives authentication procedure can be performed. In the embodiment of the present invention number 6 according to creditors user authentication, said creditors user authentication part (135) is approved (or mobile) medium owned creditors and a new terminal with said Certificate (e.g., for at least one financial transaction such as the Certificate) creditors to solve the problem using Certificate-based authentication through authentication component for authenticating a user of creditors can be fpr. In the embodiment of the present invention number 7 according to user authentication creditors, creditors said user authentication part (135) said number 1 to number 6 in the embodiment includes at least two or more creditors for authenticating at least partially can be in the form of combination or modified creditors user authentication fpr, creditors said in the embodiment of the present invention specific scheme for authenticating a user defined by holes which are disclosed. I.e., creditors said user authentication part (135) is to solve the problem of whether all existing capable of authenticating the creditors said coil in either embodiment to all user authentication scheme including the deformed/future it is apparent that it is required are found. According to of the present invention embodiment method, said creditors user authentication part (135) through at least omitting a part or brokerage user authentication procedure for authenticating creditors can be simplified than, defined by the present invention is not disclosed. Preferably, said personal user authentication procedure of one of the creditors prior to liver loan transaction level satisfying 1308. ball number non-facing to a financial transaction. Said creditors user authentication part (135) through said creditors to solve the problem of whether the authenticated, said creditors account authentication unit (140) is said personal information registered account information designated creditors based on financial server (190) interacts with said account information corresponding to the financial account of the creditors decides whether said customer account name authentication is the creditors for authenticating users authentication can be fpr. According to of the present invention embodiment method, said creditors account authentication unit (140) is said creditors account of at least one financial account corresponding to the account information reads out the information said creditors creditors confirms that the established financial institutions (stage, of the present invention electronic document based personal liver loan transaction a particular financial institution corresponding to the proposal of financial institution financial institution identification procedure can be omitted when the ball number only), financial server corresponding to said identified financial institutions (190) to creditors [...] number by said personal information registered account information, said financial server (190) through said account information corresponding to the financial account of the creditors creditors to the personal information of said users is whether authentication request for authenticating users corresponding client, said financial server (190) from said account information corresponding to the financial account of the customer is creditors decides whether said authentication result receiver ball number creditors for authenticating users. According to of the present invention embodiment method, said creditors account authentication unit (140) at least omitting a part or brokerage account authentication through creditors account name name of an authentication procedure can be simplified than, defined by the present invention is not disclosed. Preferably, said personal authentication procedure of one of the creditors account name of liver loan transaction prior to thermal non-facing financial transaction level 1308. ball number. Said creditors user authentication portion (135) of creditors through Internet banking can be authenticated (can be omitted) said creditors account authentication unit (140) is authenticated (can be omitted) creditors through financial accounts of users, said electronic document generation unit (120) is a brokerage said electronic document is created based on personal information registered account information including said authorized creditors [...][...] generating electronic document can be, said electronic document transmission part (125) is generated [...] said electronic document to said creditors terminal (185) can be delivered, said creditors terminal (185) through an interface receives said electronic document [...] the creditors side [...] related to each other. Said personal information registered account information contained in the electronic document is created while a brokerage [...] creditors authorized logically ands the when, said electronic document generating [...] to creditors terminal (185) even during the delivered and which uses, the present invention the holes which are defined therein. On the other hand said creditors terminal (185) for said electronic document in said creditors side [...] related interface through amendment company terms [...] occurs (e.g., creditors personal information of additional/modified, creditors of modified/additional account information, at least some of the information such as car-modified), said creditors terminal (185) is a modified [...][...] related interface through said electronic document said creditors side operating server (100) can be sent. Referring to the drawing 1, said managing server (100) is, receiving the electronic document [...] said creditors terminal (185) modified by creditors or receives a [...] electronic document from said, said electronic document to said modified [...] brokerage terminal (180) after transferring said fpr brokerage terminal (180) further receives said electronic document or modified [...] agree modified from creditors terminal (185) performing at least 1 times to transfer procedure on an electronic document (145) on, said creditors terminal (185) receiving information from said electronic document [...] acknowledgment for creditors approval determining part (150) on, said electronic document from said phone based on said at least one financial account approved [...] borrowed money transfer path and said at least one financial account creditors borrowed money to receive liquid to said liquid transaction brokerage fpr loan transaction processing unit linked with transaction that receives new (160) on, said electronic document in an appointed financial procedure used [...] fpr electronic document storage electronic document storing in the record medium storing part (165) having, said user authentication and/or brokerage account name authentication and/or brokerage financial procedure using at least one of electronic signature procedure brokerage Certificate authentication related brokerage fpr loan transaction authentication unit (155) contact with each other. Said creditors terminal (185) amendment company [...] generated terms in transmitting the electronic document, said electronic document exchanging part (145) is said creditors terminal (185) modified [...] receives from said electronic document, said electronic document to said modified [...] brokerage terminal (180) for delivering a procedure has a plurality of hierarchies. Receiving said electronic document at a point said modified [...] brokerage terminal (180) connected state, said electronic document exchanging part (145) is modified [...] brokerage said electronic document to said terminal (180) instantly [...] number can be, if said brokerage terminal (180) no connected when said electronic document exchanging part (145) is said electronic document delivery portion (125) of said electronic document to said terminal via a corresponding procedure modified [...] brokerage (180) can be [...] to number. Said brokerage terminal (180) and/or said electronic document's creditors side the modified [...] amendment company modified by additional content or anti agree to creditors side can be modified phenoxyethanol related interface [...] the brokerage side. Preferably, said brokerage terminal (180) for displaying said electronic document can be [...][...] related interface through the brokerage side. If said brokerage terminal (180) in said side of said revised [...][...] related interface through brokerage side creditors agree to agree in claim amendment company information/data through the selected electronic document, said electronic document exchanging part (145) is said brokerage terminal (180) for brokerage receives the information and electronic document from said [...] agree, said electronic document including a same [...] creditors terminal (185) can be [...] to number. On the other hand said brokerage terminal (180) in said revised [...][...] related interface through said brokerage side further data through the creditors side to modify the electronic document, said electronic document exchanging part (145) is said brokerage terminal (180) further modified [...] receives electronic document from said, said electronic document to said further modified [...] creditors terminal (185) can be [...] to number. Preferably, said electronic document exchanging part (145) is said brokerage terminal (180) and creditors terminal (185) for replacement of the cartridge can be at least 1-step [...] between said electronic document, the electronic document can be repeated until both [...] sum such as brokerage and creditors. According to of the present invention embodiment method, said brokerage terminal (180) and creditors terminal (185) between said generating said electronic document [...] during exchange of brokerage user authentication procedure, and/or brokerage account name of an authentication procedure, and/or brokerage electronic signature procedure can be at least one of procedure is performed. Said electronic document exchanging part (145) through said brokerage terminal (180) and creditors terminal (185) during said electronic document is exchanged between said [...] creditors terminal (185) for approval information in said electronic document data through the [...][...], said creditors approval determining part (150) is said creditors terminal (185) for electronic document from said [...][...] receives a approval information. In the embodiment of the present invention number 1 according to [...] approval, said creditors terminal (185) is exchanged through an interface and said electronic document delivery/[...][...] related creditors side, said creditors have said [...] related interface on the specified region is selected click/touch/creditors side designated when operating said creditors terminal (185) is said creditors of the specified operation corresponding to said approval information [...] operating server (100) can be sent. In the embodiment of the present invention number 2 [...] according to approval, said creditors terminal (185) is owned creditors (or mobile) said medium or said creditors terminal (185) with said creditors to solve the problem (e.g., such as the Certificate for financial transaction) Certificate for generating electronic signature of said electronic document through [...] creditors, said electronic document to said electronic signature [...][...] approval information a mixture of the management server (100) can be sent. In the embodiment of the present invention number 3 according to [...] approval, said creditors terminal (185) receives the pre-registered creditors PIN information, said information including input PIN [...] approval information (or said input PIN information of creditors terminal (185) authentication result of the authentication of the procedure carried out in [...] approval information including) said a operating server (100) can be sent. In the embodiment of the present invention number 4 [...] according to approval, said creditors terminal (185) said number 1 to number 3 in the embodiment is in the form of two or more in combination said approval information [...] approval [...] operating server (100) can be sent. Said creditors terminal (185) in said number 1 to number 4 in the embodiment according to the approval information either in the embodiment [...][...] approval, said creditors approval determining part (150) is said creditors terminal (185) from said [...] receives a approval information. Said creditors approval determining part (150) is said creditors terminal (185) [...][...] to validating the approval information reads out the information approval received from said authenticating other. For example, electronic signature of said electronic document to said [...] creditors when relay, said creditors approval determining part (150) is appended [...] creditors can verify the validity of said electronic document of electronic signature. The effectiveness of said [...] approval information is authenticated, said electronic document repository (165) said electronic document is approved [...] a loan transaction is completed before said transaction is completed according to the embodiment method or temporary storage until said electronic document storage electronic document in an appointed approved [...][...] car-storing in the record medium can be fpr. On the other hand said [...] approval information of which are authenticated, said loan transaction processing section (160) contained in said electronic document based on said electronic document is approved [...][...] creditors account information from financial account of said electronic document corresponding to the creditors included in borrowed money paid phone [...] corresponding to liquid transfer path and the customer, brokerage account information contained in said electronic document corresponding to said at least one financial brokerage account [...] borrowed money to receive liquid financial procedure corresponded to that receives transaction interlocked with, said financial procedure (e.g., receiving transaction) during said loan transaction authentication unit (155) is borrowed money said financial account for said liquid receiving user authentication procedures and/or brokerage account name brokerage brokerage transaction brokerage electronic signature authentication procedures and/or receiving at least one of by performing an authentication procedure, money loan from associated authentication can be enhance brokerage. I.e., in the case of creditors of the existing method for verifying the integrity of a transaction account transaction ID creditors of the facts of transaction creditors and prevent woman while characterized, liver loan transaction of the present invention refers to personal financial account borrowed money borrowed money from creditors receive phone liquid transfer path and the customer financial accounts brokerage transaction that receives and separation or with the use of the liquid, receiving said associated additional authentication transaction brokerage/by enhancing, personal liver loan transaction can occur in various financial accident (for example, voice phishing, financial fraud, authentication for users) as well as prevents accidents, diarrhea is not capable any financial accident even if responsibility brokerage by creditors, former creditors have to preserve to paper can be characterized. I.e., in the present invention refers to essentially receiving transaction brokerage associated authentication is not established both brokerage is borrowed money cannot receive liquid, any expedient to every possible to later by a patron receiving [...] diarrhea even from loan to compensate based on legal conditions which can be brokerage preparing a paper characterized. According to of the present invention embodiment method, said loan transaction processing unit (160) is contained in said electronic document approved [...] creditors account information corresponding to the financial institution of creditors based on financial server (190) and identifying (can be omitted), said creditors financial server (190) interacts with said electronic document to said at least one financial account corresponding to the account information from creditors creditors included in borrowed money paid by phone [...] corresponding solution designated relay account (e.g., escrow account or creditors financial account associated with the virtual account or of financial institution management account such as virtual account) for the deposit other. Said liquid in said relay account borrowed money credited when requesting cancellation of or discard [...] creditors have said electronic document, said relay account credited a number of fields can be recovered a borrowed money to feed liquid said creditors financial accounts. According to of the present invention embodiment method, said liquid when said relay account credited borrowed money, said loan transaction processing unit (160) is at least one brokerage terminal based on said new brokerage [...] said electronic document (180) to said liquid or said notification that said relay account borrowed money credited brokerage terminal (180) for receiving a transaction request notification to said relay account credited borrowed money is circulated liquid can. On the other hand said brokerage terminal (180) is said operating server (100) connected to said liquid when said relay account credited in borrowed money is supplied in said notification procedure even if there disclosed. If said brokerage terminal (180) for receiving transaction request when said relay account credited in a borrowed money liquid, said loan transaction processing unit (160) is said loan transaction authentication unit (155) interacts with the brokerage transactions can be fpr receiving said authenticating processing. In the embodiment of the present invention number 1 according to user authentication brokerage, said loan transaction authentication unit (155) is said brokerage terminal (180) receives personal information from said receiving brokerage, brokerage personal information of said electronic document matches said received personal information which indicates whether or authentication [...] brokerage, brokerage embodiment method according to personal information (e.g., user inputs or financial institution or credit information etc.) designated real name with authority at the external server to said personal information number [...] brokerage based on authentication processing can be fpr brokerage capable to solve the problem. In the embodiment of the present invention number 2 according to user authentication brokerage, said loan transaction authentication unit (155) is used at least two heterogeneous communication network a heterogeneous brokerage terminal different one of at least two terminal using authentication procedure with an authentication component for authenticating a user brokerage (or terminal medium) can be performed. For example, said loan transaction authentication unit (155) in mobile wireless terminal is owned brokerage prepares authentication through brokerage receives authenticating method for arbitrating same receives can be fpr. In the embodiment of the present invention number 3 according to user authentication brokerage, said loan transaction authentication unit (155) includes a different one of multiple heterogeneous network brokerage and a new terminal a heterogeneous terminal capable (e.g., system and method for multiple access data network such as smart phone) to solve the problem using authentication procedure with an authentication component for authenticating a brokerage can be performed. For example, said loan transaction authentication unit (155) is authenticated via telephone brokerage smart phone number can take place after it receives data network forwarding the brokerage through smart phone to receive through fpr authenticating can be. In the embodiment of the present invention number 4 according to user authentication brokerage, said loan transaction authentication unit (155) is used brokerage (or mobile) at least two medium different heterogeneous medium (e.g., such as smart phone/cellular phone/cellular phone user has brokerage brokerage said smart phone such as a thermometer and medium interface terminal medium available brokerage (or mobile) owned portable medium (e.g., non-contact IC card, RF card, NFC card, NFC non-OTP card, BLE medium, such as RFID tag) to solve the problem using authentication procedure with an authentication component for authenticating a brokerage can be performed. For example, said loan transaction authentication unit (155) is through said reliability (or owned) brokerage brokerage smart phone portable medium receives an authentication code authenticating each recognizer can be fpr. In the embodiment of the present invention number 5 according to brokerage user authentication, said loan transaction authentication unit (155) is a brokerage (or mobile) determines the position of the OTP (One Time Password) medium (e.g., OTP generator, provided OTP [...] smart phone/cellular phone, such as OTP card generating function) generated through a brokerage OTP setting input terminal or a delivery component for authenticating a user by authenticating brokerage receives authentication procedure can be performed. In the embodiment of the present invention number 6 according to brokerage user authentication, said loan transaction authentication unit (155) is used (or mobile) terminal or brokerage owned brokerage with medium (e.g., for at least one financial transaction such as the Certificate) brokerage said Certificate to solve the problem using Certificate-based authentication component for authenticating a user brokerage through authentication procedure can be performed. In the embodiment of the present invention number 7 according to user authentication brokerage, said loan transaction authentication unit (155) is said number 1 to number 6 brokerage user authentication in the embodiment at least two or more at least partially in the form of combination or modified can be brokerage user authentication fpr, either for authenticating a user brokerage said specific in the embodiment defined by the present invention is not disclosed. I.e., said loan transaction authentication unit (155) is capable of authenticating the user whether all existing brokerage said coil in either embodiment to all user authentication scheme including the deformed/future it is apparent that it is required are found. For example, the number 1 to number 7 in the embodiment of at least one of authenticating said user authentication brokerage brokerage (or dynamically) can be processed in the embodiment is able to select/determined. According to of the present invention embodiment method, said loan transaction authentication unit (155) corresponding to the personal information of said through brokerage transaction only when receiving said identification number ball 1308. brokerage is brokerage. I.e., liver loan transaction of the present invention electronic document based personal transfers the transaction brokerage financial account for creditors of financial account for receiving the linking and separation or transaction, receiving transaction brokerage separately to said associated authentication performing or by enhancing, personal financial accident door number can be eliminated liver loan transaction raw water. However the brokerage with peripheral equipment such procedure the glad both tolerant authentication procedure, the present invention refers to the post transaction transfers the transaction brokerage transaction authentication procedure is subjected to enhance separation or in conjunction with at least receiving and, the enhanced to an authentication procedure by liver loan transaction can occur in various personal financial accident (for example, voice phishing, financial fraud, authentication for users) can be prevented. Or said brokerage terminal (180) for receiving transaction request in a liquid when said relay account credited borrowed money, said loan transaction processing unit (160) is said loan transaction authentication unit (155) cooperating with said receiving brokerage transactions of an account name on the financial accounts can be fpr authentication processing. According to of the present invention embodiment method, said loan transaction authentication unit (155) is said brokerage terminal (180) brokerage account information from said receiving receives (or embodiment method according receiving transactions brokerage account users (e.g., such as financial account or a virtual account) fpr the goodwill) and, said brokerage account information of said electronic document matches whether [...] brokerage account information is authentication (if the new open an account when novel established account for approving a transaction procedure for performing a further generates a [...] including electronic document exchange) which, according to the embodiment method reads said brokerage account information brokerage account information corresponding to said at least one financial brokerage account confirms that the established financial institutions (can be omitted), the financial information corresponding to said identified financial institutions (190) to said personal information and account information by number [...] brokerage, said financial server (190) through brokerage account information corresponding to the financial account of said users to the personal information of said users corresponding client is a request for authenticating whether the authentication brokerage, said financial server (190) brokerage account information from said customer users of financial account corresponding to said authentication result whether the brokerage receiver ball number is for authenticating users. According to of the present invention embodiment method, said loan transaction authentication unit (155) through said brokerage account information corresponding to said user decides a brokerage transaction brokerage is only if there is a receiving 1308. ball number. I.e., liver loan transaction of the present invention electronic document based personal transfers the transaction brokerage financial account for creditors of financial account for receiving the linking and separation or transaction, receiving transaction brokerage separately to said associated authentication performing or by enhancing, personal financial accident door number can be eliminated liver loan transaction raw water. However the brokerage with peripheral equipment such procedure the glad both tolerant authentication procedure, the present invention refers to the post transaction transfers the transaction brokerage transaction authentication procedure is subjected to enhance separation or in conjunction with at least receiving and, the enhanced to an authentication procedure by liver loan transaction can occur in various personal financial accident (for example, voice phishing, financial fraud, authentication for users) can be prevented. Or said brokerage terminal (180) for receiving transaction request when said relay account credited in a borrowed money liquid, said loan transaction authentication unit (155) is said brokerage terminal (180) for receiving said transaction to said transaction information and receiving [...] number approved, said receiving transaction information request brokerage said electronic signature can be. Said brokerage terminal (180) is owned brokerage said (or mobile) medium or said brokerage terminal (180) with said Certificate (e.g., for at least one financial transaction such as the Certificate) brokerage customer information through said receiving transaction information to generate electronic signature brokerage, the mixture of the receiving transaction information said electronic signature to said management server (100) can be sent. Said loan transaction authentication unit (155) is said brokerage terminal (180) by verifying the electronic signature received from the brokerage, preventing said receiving denial of brokerage transaction can be. On the other hand said brokerage terminal (180) for receiving transaction request when said relay account credited in a borrowed money liquid, said loan transaction authentication unit (155) is said brokerage terminal (180) and said electronic document to said receiving an HTML document approved [...][...] a number, said request for said electronic document can be [...] brokerage electronic signature. Said brokerage terminal (180) is owned brokerage said (or mobile) medium or said brokerage terminal (180) with said Certificate (e.g., for at least one financial transaction such as the Certificate) brokerage customer information through electronic signature for said electronic document to produce [...] brokerage, said electronic document to said electronic signature to the mixture of the [...] operating server (100) can be sent. Said loan transaction authentication unit (155) is said brokerage terminal (180) by verifying the electronic signature received from the brokerage, said seat including a transaction brokerage preventing denial of receiving transaction can be. According to of the present invention embodiment method, receiving said transaction request receiving transaction information verifying said electronic document to said electronic signature to the mixture of the mixture of the brokerage procedures to verify procedure [...] brokerage electronic signature, each electronic signature procedure or one selectively processing, integrated process or each electronic signature procedure, each electronic signature procedure according to which the valve is preset order of the each array detector, defined by the present invention is not disclosed. Said loan transaction authentication unit (155) through said relay account credited to a financial brokerage account borrowed money liquid receiving specified authentication by performing authentication succeeds, said loan transaction processing unit (160) is approved [...] brokerage account information contained in said electronic document corresponding to the financial brokerage based on financial institutions (190) and identifying (can be omitted), said brokerage financial server (190) cooperating with said electronic document to said relay account credited on borrowed money amount corresponding to an amount of contained liquid [...] corresponding to said brokerage account information (e.g., transfer or deposit) receiving financial brokerage account procedure can be performed. According to the embodiment method of the present invention while extended, said loan transaction processing unit (160) is creditors terminal (185) said received liquid to said financial brokerage account notifies that borrowed money, said creditors terminal (185) borrowed money received from said financial brokerage account can be etched to expose the liquid to request, in this case said creditors terminal (185) allowed the use of borrowed money from financial brokerage account until said liquid received during said blocking said amount borrowed money can be set with regard to a liquid lock. In this case creditors have borrowed money for said received financial brokerage account financial brokerage account if not etched to expose the liquid said liquid but it from other account credited maintaining said borrowed money transfer into or withdrawing cash through cash collecting (or bank window) caused by cash can be blocked. Only creditors have said financial brokerage account for borrowed money received when withdrawing cash or transfer to liquid can be etched to expose the other account can be. This prevents the creditors have borrowed money to liquid again after final approval by allowing the former transaction car, paper characterized by former creditors have protection. However has the essential scheme like a final approval, according to the embodiment method can be omitted. While financial brokerage account borrowed money when said received liquid, said loan transaction processing unit (160) has a brokerage terminal (180) to said financial account by said liquid receiving said transaction brokerage agreement can be borrowed money deposit transaction, said brokerage account financial brokerage said borrowed money can be received using an electrode. According to of the present invention embodiment method, said electronic document repository (165) is electronic document server (195) interacts with said loan transaction to processing unit (160) is performed via a financial procedure used [...] electronic document processing electronic document storage storing in the record medium can be appointed. Said electronic document storage is equal to the first storage electronic document [...] law defines legal [...] has come. Referring to the drawing 1, said managing server (100) is, said electronic document stored in the storage medium based on said loan interest payment related financial business transaction through a voice message or electronic document [...] procedures, when said electronic document identifying generation amount based on said interest payment related financial business [...] calculated by said interest amount from said designated account interest brokerage phone said creditors of the specified the user information or said creditors of the specified account interest payment procedure is substantially said interest deposit transaction amount of transaction brokerage said identifying interest payment substantially confirmation procedure, said brokerage interest amount corresponding to said amount of tax payment procedure brokerage interest payment when at least one of paying creditors fpr interest application processing unit (170) contact with each other. In a borrowed money transfers the liquid of said electronic document [...] creditors based on said received financial brokerage account financial accounts after (or said electronic document storage medium after said electronic document storage [...]), said interest redeemed processing unit (170) said electronic document is stored in the storage medium based on said loan transaction interest payment related financial business is generated electronic document [...] determines other. Preferably, said interest application processing unit (170) is included in said electronic document stored in the storage medium can be temporarily determines the incoming electronic document [...] interest payment. Said interest payment related financial business in identifying generation, said interest application processing unit (170) is based on said electronic document is calculated interest amount to be paid to creditors [...] brokerage, said brokerage of the specified account (e.g., brokerage financial account or brokerage account for interest payment is electronic document [...] through designated account) interest amount calculated by said phone from said creditors of the specified account (e.g., creditors financial account or electronic document [...] creditors have interest in the web through amount designated for account) can be interest bearing deposit payment to fpr. Or said interest payment related financial business in identifying generation, said interest application processing unit (170) is based on said electronic document is calculated interest amount to be paid to creditors [...] brokerage, brokerage interest payment for said specified financial account (e.g., brokerage financial account or brokerage account for interest payment is electronic document [...] through designated account) the creditors of the specified account in the web and may or said amount of interest (e.g., creditors financial account or electronic document [...] creditors have interest in the web through amount designated for account) after confirming a, said from said bank to said designated brokerage account interest paid creditors of the specified the user information identifying the transaction substantially substantially interest payment identification procedure, or said creditors of the specified transfer reads said information for decoding the brokerage transaction particulars-in said deposit transaction amount of interest calculated amount including the coins to be ejected to the fpr ID identifying the market interest can be substantially. According to of the present invention embodiment method, said interest application processing unit (170) is said interest payment amount when the number, said electronic document corresponding to said electronic document server generates interest payment brokerage interest payment amount (195) a storage medium can be designated so as to store electronic document processing. On the other hand said interest payment procedure or when a previously failed substantially said interest payment, said interest application processing unit (170) is substantially corresponding to said information previously said interest payment procedure failure or interest paying creditors terminal (185) can be informed. On the other hand said interest payment amount when the number, said interest redeemed processing section (170) has generated interest payment corresponding to said brokerage interest amount calculated based on revenue tax creditors, creditors can be fpr said my tax calculated for tax payment. The door number for said interest revenue tax free from the creditors can be, on the basis of suspicion tax interest payment for brokerage is applied to deny access to creditors can situation. Referring to the drawing 1, said managing server (100) is, electronic document stored in the storage medium based on said electronic document [...] borrowed money related redeemed financial business procedure is completely liquid, said liquid when identifying generation of financial business related redeemed borrowed money, said electronic document [...] repayment calculated based on said liquid from said liquid by said designated brokerage account identification or repayment amount paid phone creditors of the specified the user information is said creditors of the specified account deposit redeemed procedure or said brokerage transaction identification procedure for identifying said liquid substantially substantially redeemed repayment amount, when said value of said brokerage redeemed creditors terminal (185) value of at least one of notifying procedure redeemed brokerage to said fpr amount redeemed processing section (175) contact with each other. In a borrowed money transfers the liquid of said electronic document [...] creditors based on said received financial brokerage account financial accounts after (or said electronic document storage medium after said electronic document storage [...]), said amount redeemed processing section (175) said electronic document is stored in the storage medium based on said electronic document is redeemed [...] borrowed money transaction related financial service determines other car liquid. Preferably, said amount redeemed processing section (175) said electronic document is stored in the temporary storage medium included in the electronic document can be redeemed [...] borrowed money determines the incoming liquid. Identifying generation of financial business related redeemed borrowed money in said liquid, said amount redeemed processing section (175) is based on said electronic document is to be paid to creditors [...] brokerage repayment liquid (for example, some of the principal amount borrowed money borrowed money amount or said liquid said liquid) calculated, said brokerage of the specified account (e.g., brokerage financial account or brokerage account for electronic document is redeemed through [...] amount specified account) calculated by said liquid from said phone repayment creditors of the specified account (e.g., creditors financial account or a repayment solution through the web [...] creditors have electronic document designated for account) fpr a receipt of redeeming coupons can be paid out. According to of the present invention embodiment method, said amount redeemed processing section (175) cooperating with said electronic document to said according to borrowed money payment of interest on interest redeeming coupons redeemed [...] liquid processing unit (170) and some interest in connection with a payment amount can be redeemed amount borrowed money solution processing, the defined the present invention not disclosed. Identifying generation of financial business related redeemed or borrowed money in said liquid, said amount redeemed processing section (175) is based on said electronic document is to be paid to creditors [...] brokerage repayment liquid (for example, some of the principal amount borrowed money borrowed money amount or said liquid said liquid) calculated, said redeemed value of brokerage for designated financial account (e.g., brokerage financial account or brokerage account for electronic document is redeemed through [...] amount specified account) the creditors of the specified account repayment and may or said liquid in the web (e.g., creditors financial account or a repayment solution through the web [...] creditors have electronic document designated for account) after confirming a, said withdrawing liquid from said designated brokerage account to creditors of the specified the user information identifying said repayment transaction substantially paid out substantially redeemed the identification procedure, or said creditors of the specified transfer reads said information for decoding the brokerage transaction particulars-in confirmation to said coins to be calculated repayment amount paid out substantially liquid including transaction ID identifying can be redeemed fpr. According to of the present invention embodiment method, said amount redeemed processing section (175) cooperating with said electronic document to said according to borrowed money payment of interest on interest redeeming coupons redeemed [...] liquid processing unit (170) and some interest in connection with a payment processing together can be redeemed amount borrowed money liquid amount, defined by the present invention is not disclosed. According to of the present invention embodiment method, said amount redeemed processing section (175) is said repayment liquid payment when the number, said electronic document corresponding to said electronic document server generates payment solution brokerage repayment amount redeemed (195) a storage medium can be designated so as to store electronic document processing. On the other hand said amount when said amount previously redeemed procedure substantially fails or redeemed, said amount redeemed processing section (175) is said amount corresponding to said information previously redeemed amount redeemed procedure failure or substantially creditors terminal (185) can be informed. On the other hand said repayment liquid payment when the number, said amount redeemed processing section (175) is said creditors terminal (185) notifies to said brokerage amount can be redeemed. According to of the present invention embodiment method, said amount corresponding to said electronic document application procedures and/or redeemed amount substantially [...] borrowed money extract of principal to the agreement confirmation via a texture and shows no interest when redeemed, said amount redeemed processing section (175) complete electronic document is redeemed amount generates said electronic document server (195) a designated electronic document storage medium so as to store treating, said electronic document storage medium stored in the electronic document can be discarding [...] fpr. Drawing 2 is a drawing of the present invention embodiment method according to [...] electronic document creation process shown are disclosed. More specifically the drawing 2 is operating server (100) is brokerage terminal (180) for authenticating a location system capable of brokerage accounts with the name based on a selected electronic document authentication result [...] provided for, if a person with skill in the art in technology field of the invention, the reference and/or elastically deformed and said electronic document creation process for drawing 2 [...] various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 2 techniques characteristics not only defined therein. Referring to the drawing 2, brokerage terminal (180) is former money to the user via the interface creating [...] brokerage said personal information and account contains information contains information creditors brokerage to solve the problem for receiving loan information including said former money from creditors creates [...] is managed by server (100) components in the (200). Operating server (100) includes said brokerage terminal (180) is created from a brokerage receives the information and said [...] (205), said [...] information included in the personal information on the user authenticates that the brokerage user authentication procedure based brokerage brokerage said a plurality of hierarchies (210). Preferably, said managing server (100) of the present invention number 1 to number 7 in the embodiment includes at least one of authenticating brokerage through fpr brokerage user authentication in the embodiment can be authenticating brokerage (210), said brokerage user authentication procedure according to the embodiment method in the real brokerage can be used or more terminals (210). If said user authentication fails for brokerage brokerage, said management server (100) is said to cancel and/or said electronic document information corresponding to electronic document generation [...][...][...] in data and performing a series of designated, said brokerage terminal (180) is [...] cancel and/or re-creation procedure has a plurality of hierarchies (215). On the other hand said brokerage when user authentication success for brokerage, said management server (100) is based on information included in the brokerage [...] said personal information registered account information designated financial server (190) interacts with a brokerage account information to said corresponding to the financial account of said customer decides whether brokerage account is the name of an authentication procedure with an authentication for authenticating users authentication a plurality of hierarchies (220). If said brokerage financial account for failure of authentication is brokerage account name when, said management server (100) is said to cancel and/or said electronic document information corresponding to electronic document generation [...][...][...] in data and performing a series of designated, said brokerage terminal (180) is [...] cancel and/or re-creation procedure has a plurality of hierarchies (225). If the event of a successful authentication of said user authentication and brokerage account name, said management server (100) is based on said information from said [...] borrowed money loaned money loan conducting a transaction brokerage is said creditors receives loan solution demonstrated the [...] electronic document generate musical sound data (230). Preferably, said managing server (100) in the embodiment of the present invention number 1 to number 4 is at least one of electronic document generating [...][...] through electronic document can be brokerage user authentication in the embodiment generates (230), If said electronic document [...] is once created, said management server (100) includes said brokerage terminal (180) to said electronic document to said electronic signature through a number [...][...] brokerage Certificate can be request (235). Said brokerage terminal (180) and the [...] whether said electronic document, said electronic document using said electronic signature to said [...] brokerage Certificate processing can be brokerage fpr (240). If said electronic document to said electronic signature [...] brokerage is processed, said brokerage terminal (180) said electronic signature to the electronic document is managed by the mixture of the brokerage [...] said server (100) components in the (245). Said management server (100) includes said brokerage terminal (180) receives a mixture of the fuel from said electronic signature brokerage [...] electronic document (250), said verifying the electronic signature brokerage [...] electronic document of a plurality of hierarchies procedure (255). If said electronic signature is not verified brokerage, said management server (100) is said to cancel and/or said electronic document information corresponding to electronic document generation [...][...][...] in data and performing a series of designated, said brokerage terminal (180) is [...] cancel and/or re-creation procedure has a plurality of hierarchies (260). Drawing 3 is a drawing of the present invention embodiment method according to [...] electronic document exchange process is shown. More specifically the drawing 3 for exchanging electronic document between the approved brokerage [...][...] sum of own contents wherein, if a person with skill in the art in technology field of the invention, the drawing 3 and/or elastically deformed and said electronic document exchange process for each reference [...] various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 3 techniques characteristics not only defined therein. Referring to the drawing 3, shown in said drawing 2 via the electronic document is generated [...] (or electronic signature verification), said management server (100) is said to be electronic document's creditors [...] (300), designated electronic document terminal according creditors terminal (185) delivers said electronic document to a [...] (305). Said creditors terminal (185) through an interface receiving said electronic document is specified creditors side [...] related [...] 2000 (310). If said electronic document through said personal information for creditors [...] creditors side [...] related interface user terminal/or modify and/or account when requesting a (315), said management server (100) includes said registration and/or modify the personal information and/or account information requested creditors said management server (100) transmits (320), said management server (100) and/or account information including personal information out of the creditors is said electronic document [...] generates (325), and/or account information including personal information out of the creditors said electronic document to said [...] creditors terminal (185) can be [...] to number (330). Of the present invention embodiment method according to said personal information and/or account information including [...] creditors out of the electronic document to said user authentication procedures and/or account for generating authentication procedure performed for creditors creditors name such as but, defined by the present invention is not disclosed. On the other hand creditors terminal (185) modifying said electronic document in said [...] related interface through the creditors side [...] (335), said creditors terminal (185) is a modified [...][...] related interface through said electronic document said creditors side operating server (100) transmits (340), said management server (100) creditors side receives said electronic document is revised [...] brokerage terminal (180) to the ms. (345). Said brokerage terminal (180) is designated brokerage side receiving said electronic document [...][...] related interface through an other (350). If said brokerage terminal (180) in said electronic document [...][...] related interface through said Singer to brokerage side further (355), said brokerage terminal (180) is further modified [...][...] related interface through a brokerage side said electronic document said management server (100) transmits (360), said management server (100) further includes said electronic document revised [...] brokerage side receives the creditors terminal (185) delivers to (365). In this case said brokerage terminal (180) and the electronic document through an interface receives said [...][...] related creditors side (370), creditors for approval of said electronic document [...] related interface through said side [...] identifying other creditors (380). According to of the present invention embodiment method, in order to identify said electronic document to said [...] creditors of approval for creditors user authentication procedures and/or account name authentication procedures and/or creditors to electronic signature verification procedures performed but such as, defined by the present invention is not disclosed. Receiving the electronic document [...] said while the brokerage terminal (180) in said electronic document's creditors side through said modified content [...] brokerage side [...] related interface when agree (385), said brokerage terminal (180) is a brokerage side said consent to said electronic document [...] operating server (100) transmits (390), said management server (100) is a brokerage side receives said electronic document agree [...] creditors terminal (185) delivers to (395). In this case said creditors terminal (185) through an interface and receives said electronic document is related creditors side [...][...] (370), creditors for approval of said electronic document [...] related interface through said side [...] identifying other creditors (380). According to of the present invention embodiment method, in order to identify said electronic document to said [...] creditors of approval for creditors user authentication procedures and/or account name authentication procedures and/or creditors to electronic signature verification procedures performed but such as, defined by the present invention is not disclosed. Drawing 4 is shown in the drawing of the present invention embodiment method according to [...] electronic document based loan transaction process are disclosed. More specifically the drawing 4 is based on electronic document for electronic document [...] creditors of approval information based on at least one financial account in the deposit account phone [...] creditors can take place after it vertically in conjunction with the borrowed money solution wherein receiving transaction process, if a person with skill in the art in technology field of the invention, the reference and/or elastically deformed and said electronic document based loan transaction process for each drawing 4 various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 4 techniques characteristics not only defined therein. Referring to the drawing 4, are shown in the drawing 3 makes creditors based on terminal (185) [...] acknowledgment for information in the electronic document (400), said management server (100) is [...] receives the information and said electronic document's authorization (405), the identifying procedure to validating a plurality of hierarchies (410). If said electronic document [...] creditors for the approval information is authenticated, said management server (100) temporarily storing said electronic document is approved (or electronic document stored in the storage medium according to the embodiment method possible) a [...] 2000 (415). Said management server (100) specified financial server (190) interacts with a corresponding electronic document in said electronic document's creditors account information to [...][...] borrowed money paid by phone corresponding to creditors of bank account of liquid designated relay account credited to a corresponded procedure (420), said financial server (190) is designated deposit account by creditors of financial account in said phone relay financial procedure borrowed money liquid a plurality of hierarchies (420). If the relay is designated in a borrowed money credited account transfers said at least one financial account creditors liquid, said management server (100) includes said electronic document to said [...] brokerage transaction sends the notification of receiving liquid borrowed money forward other (425). Said brokerage terminal (180) is said to be receiving a transaction request notification (430), operating server receiving said request based on said notification (100) for receiving transaction request to borrowed money solution (435), said management server (100) includes said receiving brokerage transaction request identifying other (440). Operating server (100) is based on said user authentication procedure authenticates that the brokerage customer personal information brokerage brokerage a plurality of hierarchies (445). Preferably, said managing server (100) of the present invention number 1 to number 7 in the embodiment includes at least one of authenticating brokerage through fpr brokerage user authentication in the embodiment can be authenticating brokerage (445), according to the embodiment method for authenticating said user has a brokerage procedure brokerage can be used or more terminals (445). If said user authentication fails for brokerage brokerage, said management server (100) is operating and performing a designated receiving said cancel transaction, said brokerage terminal (180) is receiving transaction cancellation procedure has a plurality of hierarchies (450). On the other hand said brokerage when user authentication success for brokerage, said management server (100) is based on personal information and account information designated brokerage said financial server (190) interacts with a brokerage account information to said corresponding to the financial account of said customer decides whether brokerage account is the name of an authentication procedure with an authentication for authenticating users authentication a plurality of hierarchies (455). If said brokerage financial account for failure of authentication is brokerage account name when, said management server (100) is operating and performing a designated receiving said cancel transaction, said brokerage terminal (180) is receiving transaction cancellation procedure has a plurality of hierarchies (460). Drawing 5 is shown drawing of the present invention embodiment method according to [...] electronic document based loan transaction process are disclosed. More specifically the drawing 5 is shown in said drawing 4 transfers the transaction brokerage process performed in conjunction with a receiving side wherein the transaction process, the technology field of the invention if in person with skill in the art, the drawing 5 said electronic document to a reference and/or transformation process based loan transaction to perform various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 5 techniques characteristics not only defined therein. Referring to the drawing 5, are shown in the drawing 4 after the transaction associated with the transaction brokerage process transfers the phone receiving said transaction request from said receiving transaction brokerage user authentication procedures and/or and/or requested name or account when authentication is performed, said management server (100) includes said brokerage terminal (180) to said receiving system and method for receiving transaction information requested (or electronic document [...]) electronic signature of a brokerage request (500), said brokerage terminal (180) for receiving transaction information using the brokerage Certificate (or electronic document [...]) said electronic signature brokerage processing substrate (505). If said electronic signature for receiving transaction information is processed (or electronic document [...]) brokerage, said brokerage terminal (180) to the electronic signature to said receiving transaction information (or electronic document [...]) mixture of the brokerage operating server (100) which to send (510), said management server (100) includes a system and method for electronic signature receiving brokerage to receive verify the validity substrate (510). If said electronic signature is not verified the validity of brokerage, said management server (100) is operating and performing a designated receiving said cancel transaction, said brokerage terminal (180) is receiving transaction cancellation procedure has a plurality of hierarchies (520). On the other hand said electronic signature is verified the validity of brokerage, said management server (100) specified financial server (190) interacts with a receiving transaction information to said designated (or [...] electronic document) are shown in the drawing 4 makes relay account credited based on a brokerage account information contained in said electronic document corresponding to the borrowed money liquid [...] financial brokerage procedure the user information to a corresponded (525), said financial server (190) is borrowed money in financial the user information received by said relay account financial procedure phone solution brokerage said a plurality of hierarchies (525). Said at least one financial brokerage account money borrowed money when said liquid, said management server (100) is electronic document server (195) interacts with a storage medium for storing said electronic document to the specified electronic document [...] procedure has a plurality of hierarchies (530). Said management server (100) includes a brokerage terminal (180) receiving transaction result to a number can be [...] (535), said brokerage terminal (180) said receiving transaction result whether the can (540). Or said management server (100) is creditors terminal (185) receiving transaction result to a number can be [...] (545), said creditors terminal (185) whether the receiving transaction result can (550). The process of the present invention shown in the drawing one embodiment method according to drawing 6 [...] electronic document based interest payment are disclosed. More specifically the drawing 6 shown in the drawing 5 via an electronic document to said drawing 2 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) in said electronic document by computing a brokerage [...] based on interest amount designated account from creditors of the specified account own window wherein, if a person with skill in the art in technology field of the invention, the drawing 6 and/or elastically deformed and said electronic document based interest payment process for each reference various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 6 techniques characteristics not only defined therein. Referring to the drawing 6, shown in drawing 5 via an electronic document to said drawing 2 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) electronic document stored in the storage medium based on the specified electronic document [...] former transaction interest payment related financial business through a voice message or other (600). If said interest payment related financial business in identifying generation, said management server (100) is calculated based on said electronic document [...] interest amount (605), designated financial server (190) to said designated account interest amount from said phone interacts with a brokerage said interest payment procedure by creditors of the specified the user information to a corresponded (610), said financial server (190) is designated brokerage account interest amount by creditors of the specified the user information received from said phone financial procedure has a plurality of hierarchies (610). If said designated brokerage account from said creditors of the specified account interest to a member store bank interest when said processing, said management server (100) corresponding to said interest payment is designated electronic document storage medium for archiving electronic document can be paying interest generating (615), creditors can be fpr tax payment of interest corresponding to said payment amount (620). If said designated brokerage account from said creditors of the specified account is not paying interest when said interest to a member store, said management server (100) is interest payment failure information corresponding creditors terminal (185) and a method of notifying (625), said creditors terminal (185) whether said information corresponding to the interest payment failure can (630). The electronic document based interest payment process of the present invention in another embodiment method according to drawing 7 [...] drawing shown are disclosed. More specifically the drawing 7 is shown in drawing 5 via an electronic document to said drawing 2 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) in said electronic document [...] interest amount based on said calculated from creditors of the specified account deposit paid interest calculated brokerage said identifying the fact that the process wherein, if a person with skill in the art in technology field of the invention, the drawing 7 by deforming the reference and/or said electronic document based interest payment process to perform various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 7 techniques characteristics not only defined therein. Referring to the drawing 7, shown in drawing 5 via an electronic document to said drawing 2 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) electronic document stored in the storage medium based on the specified electronic document [...] former transaction interest payment related financial business through a voice message or other (700). If said interest payment related financial business in identifying generation, said management server (100) is calculated based on said electronic document [...] interest amount (705), designated financial server (190) interacts with said from said calculated interest paid to creditors of the specified account is opened and said brokerage transaction identifying interest payment substantially substantially perform identification procedure (710), said financial server (190) is substantially interest payment financial procedure for identifying a plurality of hierarchies (710). If said sum of money is dispensed from said creditors of the specified account transaction brokerage substantially when said interest have been identified, said management server (100) corresponding to said interest payment is designated electronic document storage medium for archiving electronic document can be paying interest generating (715), creditors can be fpr tax payment of interest corresponding to said payment amount (720). If said sum of money is dispensed from said creditors of the specified account transaction brokerage said interest true unclamped or not, said management server (100) is interest payment failure information corresponding creditors terminal (185) and a method of notifying (725), said creditors terminal (185) whether said information corresponding to the interest payment failure can (730). The process of the present invention shown in the drawing one embodiment method according to drawing 8 [...] redeemed amount based electronic document are disclosed. More specifically the drawing 8 shown in the drawing 5 via an electronic document to said drawing 2 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) based on said electronic document by computing a brokerage account in [...] repayment solution from creditors of the specified account designated loaned money process wherein, if a person with skill in the art in technology field of the invention, the drawing 8 said electronic document by reference and/or transformation process based amount redeemed to perform various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 8 techniques characteristics not only defined therein. Referring to the drawing 8, via an electronic document to said drawing 2 shown in drawing 5 [...] based on creditors have borrowed money lent to liquid when brokerage, managing server (100) the specified electronic document stored in the storage medium based on loan transaction [...] electronic document at least a portion of (or borrowed money liquid principal) for redeeming coupons redeemed amount of borrowed money borrowed money liquid solution related financial business through a voice message or other (800). If said identifying generation of financial business related redeemed in borrowed money liquid, said management server (100) is calculated based on said electronic document [...] repayment solution (805), designated financial server (190) to said designated brokerage account from said liquid by said phone interacts with a repayment creditors of the specified the user information received fpr redeemed and paid out (810), said financial server (190) is designated brokerage account from creditors of the specified the user information received by said phone repayment liquid financial procedure has a plurality of hierarchies (810). If said designated brokerage account for repayment amount redeemed from creditors of the specified account said said liquid when processed, said management server (100) corresponding to said electronic document is redeemed amount paid for archiving electronic document storage medium can be redeemed designated generate (815). If said designated brokerage account for repayment amount from said creditors of the specified account when redeeming said processed liquid, said management server (100) is redeemed amount failure information corresponding creditors terminal (185) and a method of notifying (820), said creditors terminal (185) whether said information corresponding to the amount redeemed failure can (825). Another embodiment method according to drawing process of the present invention is shown in drawing 9 [...] redeemed amount based electronic document are disclosed. More specifically the drawing 9 via an electronic document to said drawing 2 is shown in drawing 5 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) from said liquid in said electronic document [...] repayment calculated based on said calculated repayment deposit brokerage account designated creditors identifying the fact that the liquid process wherein, if a person with skill in the art in technology field of the invention, the amount redeemed a references and/or modified to process said electronic document based drawing 9 to perform various embodiment method (for example, the omission of some or, or sequence of the altered embodiment method) as described in the literature may be or, converted to which in the present invention refers to said all embodiment method, the embodiment method shown in drawing 9 techniques characteristics not only defined therein. Referring to the drawing 9, shown in drawing 5 via an electronic document to said drawing 2 [...] based on borrowed money to brokerage creditors have lent liquid when, operating server (100) electronic document stored in the storage medium based on the specified electronic document [...] borrowed money related financial business transaction through a voice message or other liquid car-redeemed (900). If said identifying generation of financial business related redeemed in borrowed money liquid, said management server (100) is calculated based on said electronic document [...] repayment solution (905), designated financial server (190) interacts with said liquid from said calculated repayment to creditors of the specified account is opened and said brokerage transaction amount substantially perform identification procedure for identifying substantially redeemed (910), said financial server (190) is substantially an amount redeemed financial procedure for identifying a plurality of hierarchies (910). If said liquid from said creditors of the specified account repayment brokerage transaction substantially when said redeemed have been identified, said management server (100) corresponding to said electronic document is redeemed amount paid for archiving electronic document storage medium can be redeemed designated generate (915). If said liquid from said creditors of the specified account redeemed repayment transaction brokerage said true unclamped or not, said management server (100) is redeemed amount failure information corresponding creditors terminal (185) and a method of notifying (920), said creditors terminal (185) whether said information corresponding to the amount redeemed failure can (925). 100: operating server 105: information reception portion receives 110: brokerage user authentication unit 115: brokerage account authentication unit 120: electronic document generation unit 125: electronic document transmission part 130: information registry 135: creditors user authentication unit 140: creditors account authentication unit 145: on an electronic document 150: creditors approval determining part 155: loan transaction authentication unit 160: loan transaction processing section 165: electronic document repository 170: interest redeemed processing section 175: amount redeemed processing section 180: brokerage terminal 185: creditors terminal 190: financial server 195: electronic document server The present invention relates to a borrowing transaction method between individuals based on electronic documents. The borrowing transaction method between individuals based on electronic documents according to an embodiment of the present invention is executed through a server communicating with a debtor terminal. The borrowing transaction method between individuals based on electronic documents according to the present invention includes a first step of receiving IOU information, a second step of performing a debtor authentication procedure, a third step of performing an account name authentication procedure, a fourth step of generating IOU electronic document, a fifth step of transferring the IOU electronic document to a creditor terminal, a sixth step of performing a financial procedure linking a withdrawal transaction and a reception transaction, and a seventh step of performing a procedure of storing the IOU electronic document in a designated electronic document storage medium. Accordingly, the present invention can suppress a borrowing transaction dispute between the individuals. COPYRIGHT KIPO 2017 Receiving loan money to an individual who has executed in brokerage terminal in communication with server method, said former money to the user comprises information sent from the terminal brokerage brokerage said creditors brokerage said personal information and account contains information to solve the problem for receiving loan information including said former money from creditors [...] receives information about a step number 1; corresponding to the personal information of said user authenticating user authentication brokerage brokerage brokerage fpr step number 2; when said authenticating brokerage, brokerage said personal information registered account information designated based on association with brokerage account information corresponding to the financial account of said financial server decides whether the brokerage account authentication of users to solve the problem is for authenticating said authentication step number 3 fpr name; name of the brokerage account controller authenticates said user authentication, said former receives liquid from said identification information corresponding to the former said creditors brokerage borrowed money loaned money loan conducting a transaction generating step number 4 demonstrated the use electronic document car; said creditors using said electronic document information corresponding to the creditors have creditors terminal delivery [...] fpr number 5 step; said electronic document is an electronic document from said modified by creditors receive [...][...] creditors terminal when an electronic document after said transferring said modified [...] fpr a brokerage terminal further receives said electronic document or modified [...] agree brokerage terminal modified from said transferring procedure performs at least 1 times creditors terminal, when an acknowledgment for said electronic document from said [...] creditors terminal based on said information of said electronic document approved [...] borrowed money from said liquid transfer path and said at least one financial account financial accounts creditors phone borrowed money transaction that receives said transaction brokerage to be linked with financial procedure step number 6 to receive liquid; and said electronic document in an appointed financial procedure used [...] fpr electronic document storage storing in the record medium number 7 step; a method including electronic document based personal liver loan transaction. According to Claim 1, said creditors information, electronic document [...] creditors receive identification information through the electronic document based personal liver loan transaction method characterized. According to Claim 1, said creditors information, personal information of the creditors, creditors account consists of at least one of information about a loan transaction method is characterized based personal electronic document. According to Claim 1, said loan information, borrowed money liquid, loan temporarily, duration or temporary redeeming coupons redeemed, in redeeming coupons, derivative, interest payment type, comprising at least one characterized delay damage gold provision through the electronic document based personal liver loan transaction method. According to Claim 1, said number 2 step, two or more of disparate network coupling said brokerage are available user authentication procedure, said at least two medium determines the position of the brokerage combining user authentication procedure, said brokerage OTP (One Time Password) using disk media with OTP based user authentication procedure, said brokerage Certificate using user authentication procedure, a combination of at least one or more characterized based personal electronic document authentication procedure carried out liver loan transaction method. According to Claim 1, said number 4 step, said electronic document using said electronic signature brokerage to brokerage Certificate [...] portals procedure further comprises performing a liver loan transaction method characterized based personal electronic document. According to Claim 1, when said terminal is delivered creditors [...] electronic document, said electronic document to said [...] creditors out of the creditors terminal when said personal information or account information through said no effective personal information or account information associated with the registration of the creditors to solve the problem through the liver loan transaction method characterized based personal electronic document. According to Claim 1, creditors [...] terminal when said electronic document is delivered, said creditors terminal or said electronic document corresponding to the personal information of the registered user authenticating [...] creditors included creditors creditors user authentication procedure further comprises performing a liver loan transaction method characterized based personal electronic document. According to Claim 8, creditors are available coupling said at least two heterogeneous network user authentication procedure, said at least two medium determines the position of the creditors combining user authentication procedure, said creditors of OTP (One Time Password) based user authentication procedure using disk media with OTP, said creditors Certificate using user authentication procedure, a combination of at least one or more characterized based personal electronic document authentication procedure carried out liver loan transaction method. According to Claim 1, electronic document when said terminal is delivered [...] creditors, said creditors terminal or the registered personal information registered account information included in said electronic document [...] creditors based on association with said designated financial server decides whether said customer account information corresponding to the financial account of the creditors users performing authentication account authentication procedure with an authentication creditors name of the electronic document further comprises characterized based personal liver loan transaction method. According to Claim 1, when said terminal is delivered creditors [...] electronic document, said electronic document using said electronic signature of creditors to creditors Certificate [...] portals procedure further comprises performing a liver loan transaction method characterized based personal electronic document. According to Claim 1, said financial procedure, said at least one financial account to the designated deposit account by creditors in borrowed money liquid phone relay; said user has borrowed money receiving transaction brokerage said liquid is circulated for notifying a brokerage terminal; said brokerage terminal monitoring system capable of receiving said user authentication procedure or brokerage transactions using said receiving said brokerage transaction brokerage processing the electronic signature Certificate; and said user authentication or electronic signature brokerage account name into a financial brokerage borrowed money credited procedure for the user information relay said performing said liquid; the method characterized by comprising electronic document based personal liver loan transaction. According to Claim 1, said financial procedure, said at least one financial account to the designated deposit account by creditors in borrowed money liquid phone relay; said brokerage terminal monitoring system capable of receiving said user authentication procedure or brokerage transactions using said receiving said brokerage transaction brokerage processing the electronic signature Certificate; and said user authentication or electronic signature brokerage account name into a financial brokerage borrowed money credited procedure for the user information relay said performing said liquid; the method characterized by comprising electronic document based personal liver loan transaction. According to Claim 1, said financial procedure, said at least one financial account to the designated deposit account by creditors in borrowed money liquid phone relay; said brokerage terminal designated receiving a financial brokerage account credited borrowed money transaction procedure according said relay performing said solution procedure for the user information; the method characterized by comprising electronic document based personal liver loan transaction. According to Claim 1, said financial procedure, said terminal for receiving said liquid is circulated in the real brokerage transaction brokerage borrowed money notifying method characterized in comprising the electronic document based personal liver loan transaction. According to Claim 1, said financial procedure, said bank in a financial brokerage account confirmation that receives said at least one financial account creditors borrowed money solution brokerage system and method for performing user authentication procedure comprising the personal liver loan transaction method characterized based electronic document. According to Claim 1, said financial procedure, at least one financial account in a financial brokerage account borrowed money transfers the liquid said creditors for receiving said transaction confirmation that receives said electronic signature brokerage transaction brokerage Certificate using the treatment method characterized by comprising the electronic document based personal liver loan transaction. According to one of Claim 12 to Claim 17, said financial procedure, using said electronic document to said electronic signature Certificate brokerage said approved [...] brokerage processing the electronic document further comprises a loan transaction method is characterized in that a personal based. According to Claim 1, said financial brokerage account borrowed money deposit transaction brokerage terminal said liquid further comprises notifying the fact characterized based personal electronic document liver loan transaction method. According to Claim 1, said electronic document stored in the storage medium based on said loan interest payment related financial business transaction information generating electronic document [...] verifying; said interest payment related financial business in identifying generation, said electronic document from said designated account interest amount based on said calculated [...] brokerage phone creditors of the specified the user information received by said interest amount fpr said creditors of the specified account interest payment or interest deposit transaction amount of transaction brokerage is said identifying said substantially interest payment substantially performing a confirmation procedure; and said amount corresponding to said interest payment amount when payment brokerage interest brokerage performing tax payment procedure of creditors; characterized further comprises liver loan transaction method consists of a personal based electronic document. According to Claim 20, brokerage interest payment amount corresponding to interest payment generates said electronic document further comprises storing the electronic document based personal liver loan transaction method characterized. According to Claim 20, said interest payment procedure or when a previously failed substantially said interest payment, said interest payment procedure failure or interest payment information substantially corresponding to said previously notifying the creditors terminal further comprises a loan transaction method is characterized based personal electronic document. According to Claim 1, electronic document stored in the storage medium based on said electronic document verifying the financial business related redeemed [...] borrowed money information generating liquid; said liquid when identifying generation of financial business related redeemed borrowed money, said electronic document [...] repayment calculated based on said liquid from said liquid by said designated brokerage account identification or repayment phone creditors of the specified the user information or said fpr said creditors of the specified account is paid redeemed deposit transaction brokerage said liquid substantially identifying repayment amount redeemed substantially performing a confirmation procedure; and said value of said value of said terminal when redeeming coupons redeemed notifying a brokerage brokerage creditors; characterized further comprises liver loan transaction method consists of a personal based electronic document. According to Claim 23, redeeming coupons redeemable electronic document corresponding to said brokerage borrowed money paid out liquid generates further comprises storing the electronic document based personal liver loan transaction method characterized. According to Claim 23, said amount when said amount previously redeemed procedure substantially fails or redeemed, said amount redeemed amount substantially corresponding to said information terminal failure procedure previously redeemed creditors characterized further comprises notifying the electronic document based personal liver loan transaction method. According to Claim 23, in which the liquid is said repayment, said some of the liquid amount borrowed money, or said electronic document including a borrowed money through the liver loan transaction method characterized based personal.
