KR20130041668A

KR20130041668A - Method providing for a mutual financing association service

Info

Publication number: KR20130041668A
Application number: KR1020110106071A
Authority: KR
Inventors: 이세훈
Original assignee: 이세훈
Priority date: 2011-10-17
Filing date: 2011-10-17
Publication date: 2013-04-25

Abstract

PURPOSE: A method for providing an online mutual financing association service is provided to supply stability and reliability by connecting a reliable financial institution. CONSTITUTION: A mutual financing association operation server requests account registration to a user terminal of a member and opens accounts by receiving requests of opening the accounts from member terminals(310). The mutual financing association operation server selects and informs a rank for total members(315). The mutual financing association operation server confirms whether or not total members pay money(320). The mutual financing association operation server transfers the money to an account corresponding to a rank object(325). [Reference numerals] (310) Account registration; (315) Rank selection; (320) Money payment confirmation of members; (325) Money transfer to an account corresponding to a rank object; (330) Money non-payment, payment delay to next month; (AA) All pay?; (BB) Yes; (CC) No;

Description

How to provide an online step meeting service {Method providing for a mutual financing association service}

The present invention relates to a method that can provide step-by-step services to subscribers online.

The offline pledges are paid negatively (or transferred) to the shareholders, and the stakes collected by the relays are paid to each member according to the rank of the pigs paid or the interest is paid after operating the funds for a specific purpose. It is a form.

Such conventional offline step meetings have a problem that frequently causes social problems such as embezzlement of stealing pigs.

Korean Laid-Open Publication No. 2002-0023198 (March 28, 2002) discloses the management of group meetings online.

The present invention is to provide a method that can provide step meeting services through online.

In addition, the present invention is to provide a method of providing a step meeting service that can provide stability and reliability through a trusted financial institution or in conjunction with a financial institution.

According to an aspect of the present invention, a method for operating an online step meeting in a step meeting server, the method comprising: forming a step meeting having a plurality of members; Opening an account for each member to pay the money; Checking the opening account of each member at the time of the payment of the member to confirm whether all members have paid the expenses; And if the at least one of the members has not paid the expenses, the method of operating a group meeting comprising suspending the payment until the unpaid amount is covered.

After the step of forming the step, the step of selecting a payout level for each of the accountants may further include.

The step of selecting the payment order, the step of selecting the first payment rank manager; And selecting the second payment rank or less for each of the accountants.

After the step of suspending the payment of the money, receiving the payment for the money payment from the cashier terminal who has not paid the money; Transferring the expenses from the manager account received by the manager according to the request for payment of the expenses to the account of the member who has not paid the expenses; And paying the money to the registered account of the paying rank accountant.

It may include the step of subtracting the answer from the money to be paid in the payment order of the cashier who has not paid the money, and transfers it to the registered account.

After all the employees are paid according to the order of the payment, the payments corresponding to the managers may be transferred to the account of each accountant.

After the step of suspending the payment of the money, receiving the payment for the money payment from the cashier terminal who has not paid the money; Transmitting the payment fee request to another designated member of another accountant terminal; And paying the money to the registered account of the paying rank accountant if the unpaid fee from any one of the other accountants is transferred to the account according to the request for payment of the fee.

Receiving a request for joining a new officer; Transmitting a new member subscription approval query to a terminal of an existing member according to the reception of the new member subscription request; If the approval confirmation according to the new member joining approval query is received from a terminal of a certain number of member, joining the new member to the group; And setting the new officer as the last priority.

If payment is not paid by all members at the time of the payment, it may further comprise the step of paying the money to the account of the accountant according to the order of payment.

The method further comprises the step of investing the expenses paid by the members to the investment product set in accordance with the step, the step of paying the money to the account of the accountant, further to pay the investment return for the investment in the investment product Can be.

Receiving the investment product change request from a schedule member participating in the step-party, wherein the investment product change request includes information on a change investment product; Transmitting the change target investment product information to a terminal in which all members of the step meeting are registered according to the investment product change request; And when a change approval confirmation is received from a terminal of a certain number of accountants, the investment product may be changed into a change target investment product.

By providing a method for providing an online step meeting service according to an embodiment of the present invention, it is possible to provide stability and reliability through a trusted financial institution or in connection with a financial institution.

1 is a block diagram schematically illustrating a system for providing an online step meeting service according to an embodiment of the present invention.
2 is a flow chart illustrating a procedure for signing up for an online step meeting service.
3 is a flowchart illustrating a method of providing an online step meeting service.
4 is a flowchart illustrating a method of operating when a specific member of the group in the group meeting product has not paid the payment.
Figure 5 is a flow chart showing a process for registering a new clerk in the existing step meeting.
6 is a flowchart illustrating a method of changing the investment product of the step meeting.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

[Description of Fig. 1]

1 is a block diagram schematically illustrating a system for providing an online step meeting service according to an embodiment of the present invention.

Referring to FIG. 1, an online step meeting service providing system includes a plurality of user terminals 110 and a step meeting managing server 120.

Each user terminal 110 is connected to the step meeting management server 120 to register various information for the online step meeting service in the step meeting management server 120 or to receive a variety of information from the corresponding step management server 120 It is a device for.

For example, the user terminal 110 receives a web page for an online step meeting service through the step meeting management server 120 and receives user information for membership registration through the corresponding web page to register a member. Request to the production server 120.

As the type of the user terminal 110, for example, a mobile communication terminal, a smartphone, a laptop, a tablet PC, a computer, etc., the same may be applied to all devices possessed by a user having a wired / wireless communication function.

The step meeting management server 120 is a device for providing an online step meeting service to a user. Here, the step meeting management server 120 may be a financial company server, it may provide a step meeting service in connection with the financial company server. Detailed functions of the step meeting management server 120 will be described in more detail with reference to the accompanying drawings below.

[Description of Fig. 2]

2 is a flowchart illustrating a procedure for signing up for an online step meeting service.

In operation 210, the user terminal 110 inputs user information for membership to the step meeting management server 120 and transmits a member registration request including the corresponding user information.

More similarly, the step meeting management server 120 transmits a web page for membership to the user terminal 110 at the request of the user terminal 110 and then user information necessary for membership registration through the corresponding web page. Can be input. Here, the user information may include one or more of identification information for identifying a user (eg, ID, social security number, i-pin), gender, address, and phone number. Of course, the group meeting operation server 120 may further receive investment propensity information, credit rating information, hobby and the like from the user terminal 110 in addition to the user information at the time of membership registration and store it in the database together with the user information.

Subsequently, in step 215, the step meeting management server 120 performs member registration using the user information according to a request for membership of the user terminal 110.

In step 220, the step meeting management server 120 receives a step requesting participation from the corresponding user terminal 110. Here, the step meeting participation request includes the step meeting condition information that the user wants to participate. The step meeting condition information may be at least one of an operation period, amount information, and an expected return rate.

Accordingly, in step 225, the step meeting server 120 extracts the unit step meeting suitable for the step meeting condition information according to the step participation request of the user terminal 110, and then generates a step list to generate the user terminal 110. To send.

Subsequently, in step 230, the step meeting operating server 120 receives selection information regarding at least one of the unit step meetings included in the step meeting list from the user terminal 110.

Accordingly, the step meeting management server 120 registers and participates in the step meeting according to the selection information. Of course, if the subject that generated the unit step meeting is the step meeting operation server 120, a separate deliberation process is to be performed whether the step management server (that is, the operator) to involve the user in the step meeting It may be. If the subject generating unit unit meeting is a specific individual (hereinafter, referred to as relay for the purpose of convenience of understanding and explanation), the group meeting operation server 120 provides user information to the relay terminal to participate in the group meeting. The preliminary review process may have been made before and may be involved in the meeting if approved by the relay.

Hereinafter, a method of operating a step system will be described in detail.

[Description of Fig. 3]

3 is a flowchart illustrating a method of providing an online step meeting service.

In the following, it is assumed that a specific step system is formed and the process thereafter will be described.

In step 310, step meeting management server 120 requests account registration to the user terminal (hereinafter referred to as accounting terminal for convenience of understanding and explanation) of the accountants who participated in the step meeting, account from each accountants terminal When asked to open, open an account and register.

In step 315 step meeting management server 120 selects the payment order for all the employees who participated in the step, and notifies each of the relay terminal. Here, the payment rank indicates the order in which the employees will be paid.

At this time, the step meeting management server 120 selects the manager or the management server as the first payment rank, and selects the second payment rank or less for the accountants.

In general, the faster the position of the pigs, the lower the return on investment, but the greater the return on investment. However, the lower the position, the higher the return on investment, but the increased risk of not being paid.

In the present invention, the reason why the manager is selected as the first payment order is to stably operate the merchandise meeting product when a specific employee does not pay the expenses while operating the merchandise meeting product. This will be described below.

In the present specification, for the sake of convenience of understanding and explanation, it is assumed that the ranking is after the account registration process. However, if a specific step meeting is formed, the ranking may be selected before the account opening.

As such, when a step meeting is formed, the accountants pay the unit fee to the designated redesigned seat each month.

In step 320 step meeting management server 120 checks whether all the members paid the expenses. That is, the step meeting management server 120 may confirm whether the payment by checking the designated redesigned account of each member. Step meeting management server 120 invests the expenses paid by each member in a financial product set corresponding to the step meeting. Here, the financial product is a financial product voting by the corresponding members, for example, may be at least one of deposits, stocks, bonds, futures, real estate, derivatives and wrap accounts.

If all the members paid the expenses, the step meeting server operation server 120 in step 325 transfers the funds to the accounting account of the target ranking.

In the present specification, it will be described on the assumption that the step meeting management server 120 is a financial company server, and therefore, it will be described as transferring money from the step meeting management server 120 to the accountant account, but if the step management server 120 is separate If it is linked to the financial company system, the bank may request the transfer of the money to the accountant account.

However, if at least one of the members did not pay the expenses, the step management server 120 at step 330 suspends the payment to the account of the member in the rank of payment.

The step meeting server 120 suspends the payment of the payment until the unpaid payment is received.

In the following, FIG. 4 will be described a method of operating a step system when the fee is not paid.

For convenience of understanding and explanation, the following table will briefly explain how to operate step family products.

Payment 1 time Episode 2 3rd time 4 times 5 times 6 times Attendant 1 100 100 100 100 100 100 Attendant 100 100 100 100 100 100 Officer 3 100 100 100 100 100 100 Officer 4 100 100 100 100 100 100 Officer 5 100 100 100 100 100 100

In the case where the step meeting products exist, the payment order is as follows.

beneficiary Manager Number 1 No. 2 Number 3 Number 4 Number 5 Payout 500
+ ROI 500
+ ROI 500
+ ROI 500
+ ROI 500
+ ROI 500
+ ROI

In other words, if the manager selects the first payment rank as the manager and receives the first payment, the manager may use it to stably manage the stepmother.

In addition, after the manager is paid in the first payment rank, the initial management fund may be continuously managed to obtain investment return by investing in the financial products selected by the employees.

In this specification, the profits based on the return on investment are explained on the assumption that the profits are paid to the members at the time of the payment according to the order of the respective payments. However, depending on the implementation method, the return on investment may be paid after a certain period of time. have.

In addition, in the present specification, for convenience of understanding and explanation, it is assumed that the monthly payments of the members are the same, but according to the implementation method, the expenses of the subordinates are discounted at a certain rate monthly or in consideration of the interest rate of the bank. Providing amounts may also protect the interests of subordinates.

At this time, the step meeting management server 120 may invest the money in the financial products selected by the accountants corresponding to the corresponding step product to pay the return on investment to the accountants. The financial products to be invested in the group meeting products may be selected by the members. Voting rights may be granted for each member who participates in a particular group of products.

In the present specification, for convenience of understanding and explanation, it is assumed that all the expenses paid by the respective members are the same, but the expenses paid by the respective members may be different.

[Description of Fig. 4]

4 is a flowchart illustrating a method of operating when a specific clerk fails to pay the expenses in the group meeting product.

In step 410, the meeting management server 120 checks whether or not the request for payment of expenses from the cashier who has not paid the expenses.

If the request for payment of the expenses is received, in step 415, the fundraising group operation server 120 transfers the expenses from the basic operating fund to the account of the non-paying accountant.

In the present specification, the basic operating money refers to the money paid according to the first payment rank in the corresponding step product. That is, the step meeting management server 120 may operate the step meeting to operate normally by paying the expenses in the range of the basic operating money.

In the present specification, it is assumed that payment of the expenses in the basic operating fund is described, but according to the implementation method, the lenders who have received the existing payments may be instructed to loan to the non-paying members.

As such, when another clerk loans (or pays) on behalf of the non-paying clerk, the group meeting server 120 may separately pay the investor according to the loan (or pay) to the clerk who gave the loan (or pay). .

In step 420, the group meeting server 120 pays (transfers) the money to the account of the accountant corresponding to the order of payment according to the payment of the expenses.

At this time, if the payment of the money is before the time of the payment of the money, the money can be normally paid to the cashier corresponding to the order of payment, but if the time of payment of the money is past, the management server server 120 of the month It is also possible to pay (transfer) the next month's cash equivalents to the rank of payment.

Of course, depending on the implementation method, if the unpaid expenses are paid, they may be paid at any time before the month has passed.

At this time, if the non-paying accountant is before the payment is received, the step management server 120 at the time of the payment of the payer of the non-paying the relevant expenses, after subtracting the payment, interest and fees paid in advance Payment can be processed.

Of course, if the non-paying accountant is paid after the payment, it may be billed to the corresponding accountant, interest and fees paid for the separate step management server 120.

In addition, although not shown in FIG. 4, the group meeting operation server 120 may differentially pay the investment proceeds according to the operation of the pigs to those who have not paid the expenses. That is, the step meeting management server 120 may apply a penalty to a member who has not paid the expenses, and pay the investment proceeds by applying an application criterion ratio according to one or more of the number of unpaid expenses and the number of unpaid expenses.

In addition, if the group meeting operation server 120 has not paid the expenses more than a certain number of times, the investor may not pay the investment proceeds at the time of the payment of the members of the account, and according to the votes of the members of the account, each cycle of the group meeting After completion, you may be forced to leave the step. In the present specification, the circulation refers to one cycle in which all the employees who participated in the step meeting were paid in the order of payment.

For example, if there are five clerks in a step meeting, one cycle refers to one cycle in which all the payments were received from the first to fifth clerks.

[Description of Fig. 5]

5 is a flowchart illustrating a process of registering a new employee in an existing step meeting.

In step 510 step meeting operating server 120 selects a good and sound operating system among the step meetings in operation.

For example, the stepmother operating server 120 may select a stepmother that has a high return on investment among the stepmother operating in operation and does not have the payment of the subordinates.

In step 515, the stepmother operating server 120 announces the selected stepmother through the website.

Subsequently, in step 520, the step meeting management server 120 receives a new subscription request for the known step meeting from the member terminal.

In step 525, the meeting management server 120 requests the existing members to agree to join the meeting of the newly requested members.

In step 526, the step meeting management server 120 determines whether or not the subscription has been approved in accordance with a certain member of the existing account.

If more than a certain staff member approved to join the step meeting server operation server 120 in step 527 joins a new member requested to join the step meeting.

However, if less than a certain officer approves the subscription, in step 528 step meeting management server 120 does not subscribe to a new meeting request to the staff.

In step 530, the step meeting management server 120 assigns the last paid rank to the newly joined accountants to operate the step meeting.

As such, when a new member flows in, the group meeting operation server 120 adds the profit to the existing members according to the compensation rate according to the increase in the expenses due to the inflow of the new member (that is, operating funds). Can pay

On the other hand, new accountants are treated so that the return on investment from the management of the pigs is paid according to the rate of return applied to existing accountants.

[Description of Fig. 6]

6 is a flowchart illustrating a method of changing the investment product of the step meeting.

In operation 610, the group meeting operation server 120 receives a change request for an investment product from a plurality of employees.

In step 615, the group meeting management server 120 checks whether or not the investment product change request from a certain number of people in accordance with the investment product change request received.

In another example, when a specific employee requests a change in an investment product, the group meeting operation server 120 checks whether or not the member agrees to change the investment product by checking with other members.

If an investment product change request is received from more than a certain number of employees, in step 620, the step management server 120 transmits the investment product information and the expected return information to be changed to registered terminals of each member, and then the change approval vote. Ask.

If an investment product change request is received from less than a certain number of employees, the process waits at step 615.

In step 625, the step meeting management server () checks whether or not a certain member of staff approved the change approval vote.

If more than a certain number agrees to the change approval, in step 630, the step meeting management server 120 changes and operates the investment product into the investment product to be changed.

However, if less than a certain number is in favor of the change approval, the step meeting server 120 does not change the investment product at step 635.

Meanwhile, the method for providing an online step meeting service according to an embodiment of the present invention may be implemented in a program command form that can be executed through various electronic means for processing information and recorded in a storage medium. The storage medium may include program instructions, data files, data structures, etc. alone or in combination.

Program instructions to be recorded on the storage medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of software. Examples of storage media include magnetic media such as hard disks, floppy disks and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic-optical media such as floppy disks. hardware devices specifically configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, and the like. In addition, the above-described medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as devices for processing information electronically using an interpreter or the like, for example, a high-level language code that can be executed by a computer.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

110: user terminal 120: step meeting server

Claims

In the method of operating the online step meeting on the step meeting server,
Forming a step group comprising a plurality of members;
Opening an account for each member to pay the money;
Checking the opening account of each member at the time of the payment of the member to confirm whether all members have paid the expenses; And
If at least one of the members has failed to pay the payment, the step of holding the payment until the unpaid balance is covered.

The method according to claim 1,
After forming the step system,
Steps to the step of operating the group of pigs, the step of selecting a payment order for the management.

The method of claim 2,
After forming the step system,
And a step of granting the to-be-ranked to-do benefit according to the interest rate of the bank according to the ranking.

The method of claim 2,
The step of selecting the payment rank,
Selecting a first payment order as a manager; And
And selecting the second rank or less as the target for each of the accountants.

The method of claim 3,
After the withholding of the payment,
Receiving an expense payment request from the accountant terminal who has not paid the expenses;
Transferring the expenses from the manager account received by the manager according to the request for payment of the expenses to the account of the member who has not paid the expenses; And
Method of operating a step group payment comprising the step of paying the money to the registered account of the paying rank clerk.

5. The method of claim 4,
Method of operating a step system including the step of subtracting the answer from the money to be paid in the payment order of the non-payment of the cashier who has not paid the money to the registered account.

The method of claim 3,
Method of operating a step family, characterized in that after the payment is paid to all the members according to the order of the payment, the payments corresponding to the manager is divided into the account of each accountant and transferred.

The method of claim 2,
After the withholding of the payment,
Receiving an expense payment request from the accountant terminal who has not paid the expenses;
Transmitting the payment fee request to another designated member of another accountant terminal; And paying the money to the registered account of the paying rank accountant if the unpaid fee from any one of the other accountants is transferred to the account according to the payment request.

The method according to claim 1,
Receiving a request for joining a new officer;
Transmitting a new member subscription approval query to a terminal of an existing member according to the reception of the new member subscription request;
If the approval confirmation according to the new member joining approval query is received from a terminal of a certain number of member, joining the new member to the group; And
A step meeting operation method comprising the step of setting the new officer to the last priority.

The method according to claim 1,
If the payment due by all members at the time of the payment is not paid in advance, the method of operating a step further comprising the step of paying the money to the account of the accountant according to the order of payment.

10. The method of claim 9,
The method further comprises the step of investing the expenses paid by the members in the investment product set corresponding to the step meeting,
In the step of paying the money to the account of the accountant, the method of operating a family gathering, characterized in that to further pay the investment return according to the investment in the investment product.

The method of claim 10,
Receiving the investment product change request from a schedule member participating in the step-party, wherein the investment product change request includes information on a change investment product;
Transmitting the change target investment product information to a terminal in which all members of the step meeting are registered according to the investment product change request; And
If the change approval confirmation is received from the terminal of a certain number of accountants, changing the investment product to change target investment product comprising the step.