KR20120076545A - A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid - Google Patents

A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid Download PDF

Info

Publication number
KR20120076545A
KR20120076545A KR1020100120710A KR20100120710A KR20120076545A KR 20120076545 A KR20120076545 A KR 20120076545A KR 1020100120710 A KR1020100120710 A KR 1020100120710A KR 20100120710 A KR20100120710 A KR 20100120710A KR 20120076545 A KR20120076545 A KR 20120076545A
Authority
KR
South Korea
Prior art keywords
mutual
customer
information
savings
service
Prior art date
Application number
KR1020100120710A
Other languages
Korean (ko)
Inventor
이대범
Original Assignee
중소기업은행
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 중소기업은행 filed Critical 중소기업은행
Priority to KR1020100120710A priority Critical patent/KR20120076545A/en
Publication of KR20120076545A publication Critical patent/KR20120076545A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services

Abstract

The fee payment method of the mutual aid service according to the mutual aid subscription according to the present invention includes the steps of registering the subscription information for the mutual aid that the customer has subscribed; When receiving customer information from at least one mutual support company with which a business agreement is concluded, providing mutual benefit saving information for the customer who has subscribed to the mutual savings money; And transferring the mutual funds to the account of the mutual company as a fee for providing the mutual service.

Description

A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid}

The present invention relates to a technology for providing money for premature services in a bank, and more particularly, receiving accumulated savings directly from a customer in the name of premature, and applying for premature service in accordance with the premise service according to the premise service. The present invention relates to a method and apparatus for paying a fee for a premise service according to a premise deposit subscription to pay a fee through the accumulated premature deposit.

In general, various domestic service providers have a structure to receive money in the form of a savings type, and when a mutual event occurs, the accumulated amount is used to cover the cost of the event. Recently, however, incidents of misappropriation of premature reserves have occurred frequently in the companies that rank high in the domestic premise industry. This is because the contract with the predecessor company takes the form of a prepaid installment transaction that prepays the customer before receiving the service. Therefore, there is always a risk of failing to return the money paid or providing the mutual service in case of problems with the mutual company.

The problem to be achieved by the present invention is to receive the savings for the mutual support service directly from the customer in the form of savings from the bank, and by providing the mutual savings accumulated to the ancestors who provide the mutual service in the event of the mutual event as a fee for the mutual service, Provided is a method and apparatus for paying a fee for a premise service in accordance with a premise deposit, which can prevent embezzlement and mispayment of premature deposits.

In order to solve the above problems, the payment method of the premise service according to the premature redemption subscription according to the present invention comprises the steps of registering the subscription information for premature redemption of the customer; When receiving customer information from at least one mutual support company with which a business agreement is concluded, providing mutual benefit saving information for the customer who has subscribed to the mutual savings money; And transferring the mutual funds to the account of the mutual company as a fee for providing the mutual service.

Preferably, the method may further include providing information related to the mutual support service of the mutual support company to the customer.

Preferably, according to the premise service, characterized in that it further comprises the step of transmitting a short message about the transfer history information of the fee to the terminal of the customer.

In order to solve the above problems, the fee payment device of the premise service according to the premature redemption subscription according to the present invention includes a subscription information registration unit for registering the subscription information for the premature redemption of the customer; A main control unit for providing the mutual savings-related information for the customer who subscribed to the mutual savings when the customer information is requested from at least one mutually-funded company with which a business agreement is concluded; A transfer processing unit for transferring the mutual savings deposit into the account of the mutual support company as a fee for providing the mutual support service; A database unit for storing the subscription information and the mutual savings related information; And an interface unit for transmitting the above-mentioned mutual funds storage information to the mutual-funded company.

Preferably, the main controller is characterized in that to provide the customer with the information on the mutual support service of the mutual support company.

Preferably, according to the premise service, further comprising a short message generating unit for generating a short message for the transfer history information of the fee, characterized in that for transmitting the generated short message to the terminal of the customer via the interface unit; It is done.

According to the present invention, unlike the prior art, by directly paying the reciprocal amount for the reciprocal service to the bank in the name of the customer, it is possible to prevent the misappropriation of the money paid to the bank by the reciprocal company. As a result, it is possible to prevent the customer from being provided with premature services.

In addition, when a customer wants a mutual service, a mutual company may be compared and selected to receive the mutual service.

In addition, even if the customer terminates the premature savings, the amount corresponding to the regular savings can be refunded without penalty.

In addition, as a bank, the size of the mutual aid market reaches 7 trillion, and at least 100,000 persons subscribe to the mutual aid service every year, and thus, it is possible to secure more than 100,000 attracting customers every year.

1 is a flowchart of an embodiment for explaining a method for payment of a fee for a premise service according to a premature deposit subscription according to the present invention.
2 is a reference diagram for explaining the flow of processing of the present invention between a customer, a bank, and a commercial company.
Figure 3 is a block diagram of an embodiment for explaining the commission payment device of the mutual aid service according to the mutual aid subscription according to the present invention.

Hereinafter, a method for payment of a fee for a mutual aid service according to a mutual aid subscription according to the present invention will be described with the accompanying drawings.

1 is a flowchart of an embodiment for explaining a method for payment of a fee for a premise service according to a premature deposit subscription according to the present invention.

Register the subscription information for the mutual aid accumulated by the customer (step 100). The bank sells premature redemption products corresponding to accumulated savings to prepare customers for premature events. Accordingly, when a customer applies for a preliminary savings, the subscription information related to the preliminary savings that the customer applies for, for example, customer personal information, interest rate according to the preliminary savings, the period, the amount of accumulated units, and the payment method at maturity In case of termination, information about the amount of return will be registered.

After the step 100, the customer provides information related to the mutual support service of the ancestor company (step 102). Banks enter into business agreements with a variety of companies and provide information about them to their customers on a website maintained by the bank from time to time. When the customer visits the website, the information about the premature company of the corresponding web site can be inquired, thereby providing the premise service related information for the premature company which has a business agreement with the bank. Here, the information related to the premature service includes information on the fee for the specific service using item for the premature service, the service providing method, the service providing performance, the fee payment method, and the payment method for the remaining balance.

After step 102, it is determined whether customer information is requested from at least one of the above-mentioned companies that have a business agreement (step 104). When a premature event occurs (for example, the death of a family member or relative), the customer who signed up the premature deposit with the bank checks the premise service related information in step 102, and provides the premise service to the determined premise company. request. Based on the information about the customer, the requesting company will request the customer's information about the customer from the bank that has a business agreement with the company.

In step 104, when requesting customer information from at least one of the above-mentioned mutual aid company has concluded a business agreement, providing the information related to the mutual fund for the customer who subscribed to the mutual fund (Step 106). In the case of requesting customer information from the parent company, the bank provides information related to the customer's mutual savings, that is, the personal information of the customer, the total amount of the mutual savings, the payment period, the amount of the accumulated unit, and whether or not to expire.

After step 106, it is determined whether a fee payment for the premise service is requested (step 108). The customer or the premise company requests the bank to pay the premise service fee in accordance with the provision of the premise service. The bank determines whether there is a request for payment of such fees. In addition, the bank determines whether the request for payment of the fee is from a legitimate customer or an affiliate.

After step 108, the mutual funds are transferred to the account of the mutual support company as a fee for providing the mutual service (step 110). If the bank requests a fee payment, and the request is justified, the bank transfers the accumulated savings from the customer to the account of the parent company as a fee for providing the mutual service. To this end, an account is established in advance for fee transfers between banks and commercial companies. If the amount of mutual support paid by the customer is less than the service fee, the balance may be paid through the customer's other account.

After the step 110, a short message of the transfer history information regarding the payment of the fee according to the premise service is transmitted to the terminal of the customer (step 112). The transfer history information includes information on the details of the payment company, the details of the service details, the payment fee information, and the amount of the unpaid fee if the fee is not paid.

2 is a reference diagram for explaining the flow of the process of the present invention made between the customer 200, the bank 300 and the premise company 400.

In a first step, the customer 200 applies for a savings deposit to the bank 300 directly or through a website. In addition, the customer 200 pays a premature deposit according to the subscription of the premature deposit. In a second step, the bank 300 registers the premature deposit subscription information according to the premature deposit subscription of the customer 200. At this time, it is possible to register special information (for example, a special agreement for automatically converting to a regular deposit for the mutual savings at maturity) upon joining the mutual savings. The bank 300 has previously concluded business agreements with various commercial companies 400. Therefore, in the third step, the bank 300 provides the customer 200 with the information regarding the mutual support service for the various mutually concluded companies. In a fourth step, when a premature event occurs, the customer 200 requests a premature service from a premature company. In a fifth step, the ancestor company 400 requests the bank 300 for information on the customer 200 requesting the ancestor service, that is, the ancestor savings related information. In a sixth step, the bank 300 that has received the request for mutual savings information provides the mutual savings information to the mutual fund 400. In a seventh step, the ancestor company 400 receiving the ancestor savings information provides the ancestor service to the customer 200. Thereafter, in the eighth step, the premise company 40 requests the bank 300 to pay the premise service fee according to the provision of the premise service. In a ninth step, the bank 300, which has been requested to pay the fee, determines that the request for payment of the fee is justified, and transfers the deposit of the customer to the account of the parent company. In a tenth step, the bank 300 transmits a short message to the customer 200 of the transfer history information regarding the payment of the fee according to the premise service.

Hereinafter, with reference to the accompanying drawings, a fee payment device of the mutual aid service according to the mutual aid subscription according to the present invention.

Figure 3 is a block diagram of an embodiment for explaining the fee payment device of the premise service according to the premature savings subscription according to the present invention, the subscription information registration unit 400, the main control unit 410, the database unit 420, the interface unit 430, a transfer processor 440, and a short message generator 450.

The subscription information registration unit 400 registers subscription information for the mutual aid stored by the customer and outputs the registered information to the database unit 420 under the control of the main controller 410. The subscription information register 400 provides a user interface (not shown) for registering subscription information. When a customer applies for a preliminary savings, the subscription information register 400 registers the subscription information related to the preliminary savings input through the user interface (for example, customer personal information, interest rate according to the preliminary savings, the period, and the accumulated unit amount). , Information on payment method at maturity, return amount upon termination, etc.).

The database unit 420 stores the subscription information provided from the subscription information registration unit 400. On the other hand, the database unit 420 also stores the information related to the mutual support service for each of the mutual support company with which the business agreement is concluded. The information related to the premature service includes information on the fee for the specific service use item for the premature service, the service providing method, the service providing performance, the method of paying the fee, and the method of paying the remaining balance.

In response to the request of the customer, the main controller 410 provides the customer with the information about the mutual support service for each of the mutual companies stored in the database 420. When a customer visits a web site managed by a bank, the main control unit 410 inquires the service related information about the cooperative company from the database unit 420, and the result of the inquiry through the interface unit 430. To send.

On the other hand, the main control unit 410, when receiving the customer information from the at least one mutual aid company signed a business agreement, the mutual funds related information for the customer who subscribed to the mutual funds to the mutual aid company through the interface unit 430 to provide. The main control unit 410 withdraws the premature deposit related information about the customer's personal information, the total amount of the premature deposit payment, the payment period, the accumulated unit amount, the expiration date, etc. from the database unit 420 and the mutual aid company through the interface unit 430 To send. To this end, the database unit 420 stores the information related to mutual savings for the customer.

In addition, when the main controller 410 is requested to pay a fee for the premise service, the main controller 410 outputs a transfer control signal for the premature deposit to the transfer processor 440. If there is a fee payment request, the main control unit 410 determines whether the fee payment request is a request from a legitimate customer or an affiliate. Whether it is fair or not depends on whether it is a customer who is a member of mutual aid or a mutually signed company. When the main controller 410 determines that the fee payment request is justified, the main control unit 410 outputs a control signal for transferring the mutual savings paid by the customer to the account of the mutual support company as a fee for providing the mutual service.

Transfer processing unit 440 according to the control signal of the main control unit 410, transfers the deposit of the ancestors paid by the customer to the account of the ancestor company as a fee for providing the ancestor service. To this end, an account is established in advance for fee transfers between banks and commercial companies.

The short message generating unit 450 generates a short message about the transfer history information of the paid fee according to the premise service, and transmits the generated short message to the customer terminal through the interface unit 430. The transfer history information includes information on the details of the payment company, the details of the service details, the payment fee information, and the amount of the unpaid fee if the fee is not paid. Here, the customer terminal includes a general PC or mobile terminal (smartphone, PDA, etc.) of the customer. To this end, the bank is provided with the customer's email address information or the phone number information of the mobile terminal in advance.

On the other hand, the above-described fee payment method of the mutual aid service according to the mutual aid subscription of the present invention may be implemented as a computer-readable code / instructions (instructions) / program. For example, it may be implemented in a general-purpose digital computer for operating the code / instructions / program using a computer-readable recording medium. The computer-readable recording medium includes storage media such as magnetic storage media (eg, ROM, floppy disk, hard disk, magnetic tape, etc.), optical reading media (eg, CD-ROM, DVD, etc.) .

The method and apparatus for payment of a fee for a mutual aid service according to the present inventors' mutual aid subscription has been described with reference to the embodiment shown in the drawings for clarity, but this is merely an example, and a person skilled in the art may It will be understood that various modifications and equivalent other embodiments are possible. Accordingly, the true scope of the present invention should be determined by the appended claims.

400: registration information register
410: main control unit
420: database unit
430: interface unit
440: transfer processing unit
450: short message generating unit

Claims (6)

Registering subscription information for the mutual savings accumulated by the customer;
When receiving customer information from at least one mutual support company with which a business agreement is concluded, providing mutual benefit saving information for the customer who has subscribed to the mutual savings money; And
And transferring the premature deposit to the account of the premise company as a fee for providing the premise service. The method of claim 1,
And providing the customer with the information related to the mutual support service of the mutual support company. The method of claim 1,
According to the premise service, the method for payment of a premise service according to the premature savings subscription, characterized in that it further comprises the step of transmitting a short message about the transfer history information of the fee to the terminal of the customer. A subscription information registration unit that registers subscription information for mutual savings that the customer has subscribed to;
A main control unit for providing the mutual savings-related information for the customer who subscribed to the mutual savings when the customer information is requested from at least one mutually-funded company with which a business agreement is concluded;
A transfer processing unit for transferring the mutual savings deposit into the account of the mutual support company as a fee for providing the mutual support service;
A database unit for storing the subscription information and the mutual savings related information; And
And an interface unit for transmitting the above-mentioned mutual interest saving information to the above-mentioned mutual support company. The method of claim 4, wherein the main control unit
The fee payment device of the premise service according to the premature savings subscription, characterized in that to provide the customer information on the premise service of the premise company. The method of claim 3,
According to the premise service, further comprising a short message generating unit for generating a short message about the transfer history information of the fee,
Apparatus for paying the fee of the premise service according to the premature savings subscription, characterized in that for transmitting the generated short message to the terminal of the customer through the interface.
KR1020100120710A 2010-11-30 2010-11-30 A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid KR20120076545A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020100120710A KR20120076545A (en) 2010-11-30 2010-11-30 A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020100120710A KR20120076545A (en) 2010-11-30 2010-11-30 A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid

Publications (1)

Publication Number Publication Date
KR20120076545A true KR20120076545A (en) 2012-07-09

Family

ID=46710157

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020100120710A KR20120076545A (en) 2010-11-30 2010-11-30 A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid

Country Status (1)

Country Link
KR (1) KR20120076545A (en)

Similar Documents

Publication Publication Date Title
AU2013277468B2 (en) Prepaid wallet for merchants
KR101729162B1 (en) Apparatus, method and computer program for managing advanced payment based on financial open platform
JP2010020585A (en) Affiliate system and data succession method in the system
WO2020173041A1 (en) Http protocol-based server, user terminal fee collection system, and fee collection method
KR20160123611A (en) System and method for electronic commerce using points and computer readable record medium on which a program therefor is recorded
WO2008055215A2 (en) System and/or method for dynamic determination of transaction processing fees
WO2011129986A1 (en) Systems and methods to provide credits via mobile devices
JP4129291B1 (en) Affiliate system with linkage function with payment system
KR100960285B1 (en) International trade settlement system and method using credit card system by buyer bank
US20190005528A1 (en) Method and system for automatic offer redemption
US20220230154A1 (en) Method and system to dynamically route funding to virtual payment cards to resell subscription merchandise
US20150106179A1 (en) Advertising and promotion method and system
KR100853907B1 (en) Credit card payment system and its method for discounting credit card charges using management of integrated credit card point
JP2009211125A (en) Affiliate system
KR20120076545A (en) A method and an apparatus for paying a commission of a mutual aid service according to joining an installment savings for a mutual aid
JP5403664B2 (en) Virtual money management apparatus, virtual money management method, and management program
KR101465549B1 (en) Recurring payment process using virtual credit card
KR20200042713A (en) Shopping mall managing method and system performing the same
WO2011070566A1 (en) System for managing access to paid contents within internet sites
KR20140038654A (en) System for providing the information regarding payment for affiliate
KR102220210B1 (en) Method for providing settlement service for payment charge difference and payment gateway server thereof
JP7320118B1 (en) Information processing device, information processing method and information processing program
KR20140033872A (en) Apparatus and method for determining estimated value-added tax
KR101987066B1 (en) System and method billing and payment using mobile devices and computer program for the same
JP5031799B2 (en) Affiliate sales system

Legal Events

Date Code Title Description
A201 Request for examination
A302 Request for accelerated examination
E902 Notification of reason for refusal
E601 Decision to refuse application
J201 Request for trial against refusal decision
J301 Trial decision

Free format text: TRIAL DECISION FOR APPEAL AGAINST DECISION TO DECLINE REFUSAL REQUESTED 20120418

Effective date: 20130930