KR100942043B1 - Apparatus for providing online funeral service - Google Patents

Abstract

PURPOSE: A ceremonial occasion service providing apparatus through online preventing the loose management of a ceremonial occasion service corporation is provided to supply the safe ceremonial occasion service without the damage possibility of the allotment paid-up capital. CONSTITUTION: An account management unit(220) sets up a virtual account of a ceremonial occasion service. A principal asset management unit(224) manages capital assets. An interest asset management unit(226) deposits the capital assets in the predetermined financial facilities. If the reserving point corresponding to the interest earnings is accumulated as the predetermined point, a usage authority control unit obtains the additional right using right of the ceremonial occasion service or the authority restored the amount of money corresponding to the installment money.

Description

Apparatus for providing online funeral service {Apparatus for providing online funeral service}

The present invention relates to an apparatus and method for providing an online service for ceremonial occasions, and more particularly, in addition to the basic ceremonial service which is basically provided to members of the ceremonial service, while providing another additional ceremonial service or an installment payment of the principal paid at the same time, The present invention relates to an apparatus and method for providing a service for ceremonial occasions online by managing a ceremonial service company to be able to operate morally, so that a member of the ceremonial service may pay the installment payments with confidence.

The ceremonial ceremonial occasion originally started from the word 'jojo', meaning 'help for each other', but now refers to a professional service business that helps with events such as lethargy, engagement, wedding, marriage, travel, stone, joy and funeral.

The ceremonial ceremonial ceremonies are the culture of Pumat, such as the traditional cooperative culture of our nation, developed into a business of modern society, and has established itself as an industry that serves family rituals related to rites of passage. It acts as a social safety net for our society by preparing a system of event insurance for family rituals facing an uncertain future. A monthly payment is made in a monthly amount to prepare for the event. If the balance remains after the ceremonial occasions, most of the transactions require a one-time payment.

The ceremonial occasions are currently being established at a tremendous rate by joining numerous service providers and members through the ceremonial occasion system.

The existing ceremonial ceremonial system recruits business headquarters, branch offices, branches, branch offices, and designers offline and proceeds to join the ceremonial merchandise as a door-to-door sales system like insurance. In the long term, the company's finances run out, and in the aftermath, some of the monthly payments received by the members are offline. For example, the payment of ceremonial payments is made for members who are less than 60 months in the case of 120 months for 10-year payments, and 50% or more of the business allowance is paid to the sales organization and the member withdraws. The problem of failing to pay back the principal is very serious.

In addition, after the company's operating expenses are subtracted from sales promotion TV advertising and negligent business management at the expense of the members, the company does not have any cost to hold an event. However, the transparent management of the company can be developed based on the belief of the members, but the existing offline ceremonial companies consume more than 60% of the monthly payments paid by the members and create enormous damage to society. Even if members withdraw from anxiety, they are not able to get their refund back, so it is becoming a wrong social issue.

In the meantime, there are so many victims that the ceremonial company collects money from consumers in a multi-stage manner and fails to pay the event service and the money back. It is in full swing. This can be the result of setting up a company without the company's financial capital and managing it with the money paid by its members.

Therefore, there is a need to provide an apparatus and method for providing an online service for ceremonial occasions, which can provide only benefits without damage to consumers by improving the existing method and management of ceremonial occasion funds.

The technical problem to be solved by the present invention is to generate points as much as the interest earned from the principal paid by the ceremonial service members monthly, and when points are accumulated as the principal, another additional ceremonial services or the payment of the installment event principal will be given. In addition, the present invention provides an apparatus and method for providing a service for ceremonial services online to manage a ceremonial service company so that it can be safely operated without risk of bankruptcy.

According to an embodiment of the present invention, the apparatus for providing online service for ceremonial occasions includes a member authentication unit which performs member authentication on a client terminal requesting an online ceremonial service; Set a virtual account managed for each member in association with a parent account of a ceremonial service provider, and installment payment according to a subscription contract of the ceremonial service which deposits the virtual account in the parent account, for the client authenticated client terminal. An account management unit for managing the principal asset and the principal asset separately from interest assets generated by depositing at a predetermined financial institution with interest; And accumulating and managing the earned points corresponding to the interest income for each member, and accumulating the accumulated points by a predetermined point preset by the ceremonial service provider, and further use rights of the ceremonial service for the member of the ceremonial service It characterized in that it comprises a usage rights control unit for granting.

The account manager may include an account setting unit configured to set a virtual account managed for each member in association with a mother account of the ceremonial service provider; A principal asset manager for managing principal assets including an installment payment according to a subscription contract of the ceremonial occasion service deposited in the mother account; An interest asset management unit for depositing the principal assets at a predetermined financial institution and managing interest assets resulting from the periodic deposit; And a payment determination unit that allows the payment of the event operating cost only for the amount belonging to the interest asset and the payment of the event operating cost for the amount belonging to the principal asset when the request for payment of the exercise fee for the ceremonial service provider is received. It is characterized by.

The account management unit, for the member additionally provided with the ceremonial occasions service, an operating asset for converting the principal asset including the installment payments deposited in the parent account into an operational asset that allows the payment at the request of the ceremonial services provider to manage the asset. Characterized in that it further comprises a management unit.

The usage right control unit, the event request receiving unit for receiving the event request of the ceremonial occasion service from the client terminal; And when the authority to use the ceremonial occasion service is received, the event request is automatically received at a call center of the ceremonial occasion service provider, and information about the event request is transmitted to a mobile phone of an event official or an event assistant of the ceremonial occasion service provider. Characterized in that it comprises an event notification unit to send a message.

The member authentication unit, in the case of a new member, whether or not to agree to the terms and conditions of operation of the ceremonial occasions service, name, resident registration number, wire / wireless telephone number, personal information related to membership registration, ceremonial service product, service product price, Receiving subscription information including at least one of an installment payment or an installment payment period from the client terminal to process a subscription agreement of the ceremonial service and, in the case of an existing member, to process the login procedure of the ceremonial service. It features.

The account management unit includes an electronic notebook management unit for providing an electronic notebook book for identifying information related to the member and the ceremonial occasion service provider for each member, the information related to the member and the ceremonial occasion service provider, the virtual account Related information, the member's Cash Management Service (CMS) withdrawal account and CMS withdrawal date, parent account deposit date, deposit history and CMS transfer due date, financial institution name, parent account account number, registered ceremonial service products, membership of the member At least one of monthly payments, monthly payment total and payment due date, accumulated accumulation points, total number of registered members, number of registered members in the current month, total deposited amount in the current month, regular deposit amount in the current month, total event spending amount, total event spending amount, current event spending amount Characterized in that it comprises a.

The predetermined point set by the ceremonial occasion service provider corresponds to a total installment payment amount that the member should pay according to the subscription contract of the ceremonial occasion service.

The client terminal may be a computer, a notebook, a mobile phone, or a PDA.

The account management unit, by depositing the installment payment amount received from the entire member at predetermined intervals and transfers the CMS to the financial institution in a regular deposit.

In addition, the method for providing online service for ceremonial occasions according to an embodiment of the present invention includes performing member authentication on a client terminal requesting an online ceremonial occasion service; Set a virtual account managed for each member in association with a parent account of a ceremonial service provider, and installment payment according to a subscription contract of the ceremonial service which deposits the virtual account in the parent account, for the client authenticated client terminal. Separating and managing the principal asset and the principal asset into interest assets generated by periodic depositing with a predetermined financial institution; And accumulating and managing the earned points corresponding to the interest income for each member, and accumulating the accumulated points by a predetermined point preset by the ceremonial service provider, and further use rights of the ceremonial service for the member of the ceremonial service Characterized in that it comprises the step of giving.

According to an embodiment of the present invention, a virtual account for each member is divided into principal assets including installment payments and interest assets including interest interest and compound interest by periodic depositing of principal assets, and the ceremonial service company causes the interest assets. Only by controlling the use of the event operation costs, and by controlling the member to obtain additional use rights of the ceremonial service by accumulating the accumulated points corresponding to the interest income, providing a safe ceremonial service without fear of loss of the installment principal. It is effective to prevent the neglected management of the ceremonial service company.

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

1 is a view schematically showing a whole ceremonial occasion system including an apparatus for providing ceremonial occasion service according to an embodiment of the present invention.

Referring to Figure 1, the entire ceremonial ceremonial system according to an embodiment of the present invention, the apparatus for providing ceremonial ceremonial services 100, client terminals (110, 112, 114), the financial institution server 120, the service provider call center 130, and the event party terminal 140. In the present specification, the ceremonial service includes various types of services such as marriage, lethargy, hundred days, funeral, seventy-six, sixtieth birthday, Ko Hee-yeon, feast, and travel.

The ceremonial occasion service providing apparatus 100 regularly pays the monthly payment (or installment payment) paid by the member to the financial institution through the predetermined financial institution server 120 according to the monthly (or installment) contract of the ceremonial occasion shopping mall made online. After depositing, it is controlled to maintain for a predetermined period of time, and to control the operation of the ceremonial occasion by the interest income generated from the principal, to earn points as much as the interest income, and even after the first ceremonial occasion, the earned points are designated points (eg For example, if the total amount paid up to the installment payment maturity) is accumulated, it controls the member to compensate for the additional ceremonial goods, and allocates the total amount paid by the member as the operating income after the additional ceremonial goods are provided. to be.

The ceremonial occasion service providing apparatus 100 is operated by a ceremonial occasion service provider requested by the ceremonial occasion company (s). The ceremonial service provider should preferably be separate from the ceremonial firm. The ceremonial occasions companies are managed by the ceremonial occasions service providing apparatus 100 so as not to perform the operation of the ceremonial occasions with principal income. Therefore, the ceremonial occasion service members can trust the ceremonial occasion service operator who manages the assets by the ceremonial occasion service providing device 100, and can safely join the ceremonial occasion company. In addition, the ceremonial occasion service providing apparatus 100 may be used in conjunction with an internet portal. That is, ceremonial ceremonial service members and ceremonial ceremonial companies may access the ceremonial ceremonial service providing apparatus 100 using the Internet portal to use the service.

The client terminals 110, 112, and 114 are wired and wireless terminals used by a ceremonial service member to request a ceremonial service online. The client terminals 110, 112, and 114 may include any device capable of communicating such as a computer, a laptop, a mobile phone, or a PDA.

The financial institution server 120 is connected to the mother account of the ceremonial service provider who operates the ceremonial service using the ceremonial service providing apparatus 100, and receives the installment payment paid to the mother account from the member at regular intervals and receives the CMS payment. Server for depositing. The parent account of the ceremonial service provider may be a different account from the regular deposit account of the financial institution for the periodic deposit of the installment payment, but may be the same account depending on the embodiment.

The service provider call center 130 receives information on the event request for the ceremonial service from the ceremonial service providing apparatus 100. The ceremonial service providing apparatus 100 determines whether there is a right to use the ceremonial service when receiving the event request for the ceremonial service from the client terminals 110, 112, and 114, and if the authority to use the ceremonial service is provided to the call center 130. Automatically accept requests for events for ceremonial service. The ceremonial service provider call center 130 automatically records the event request on the service provider's 24/7 call center, and simultaneously transmits a voice and text message to the event official or event helper terminal 140 through an automatic emergency communication network. To exercise ceremonial services. In another embodiment, the ceremonial occasion service providing apparatus 110 may transmit a voice and text message directly to an event official or event helper terminal 140 to exercise the ceremonial occasion service without passing through the ceremonial service provider call center 130. It may be.

The event concerned terminal 140 is a wired or wireless terminal possessed by an event related party providing a ceremonial occasion, and includes any device capable of communicating such as a computer, a laptop, a mobile phone, or a PDA. The event concerned terminal 140 may be informed of the information on the ceremonial occasion request from the ceremonial occasion service providing apparatus 100 or the service provider call center 130 as described above.

2 is a block diagram showing an apparatus for providing ceremonial occasions service according to an embodiment of the present invention.

Referring to FIG. 2, the apparatus for providing ceremonial ceremonial services according to an embodiment of the present invention 200 includes a member authenticator 210, an account manager 220, and a usage right controller 240.

The member authentication unit 210 performs member authentication for checking whether the member of the ceremonial ceremonial service is a member of the client terminals 110, 112, and 114 requesting the online ceremonial ceremonial service. For example, in the case of an existing member, the login process of the ceremonial service is processed to confirm the membership. In addition, for new members who apply for membership in the service for online service through the online shopping mall, check the agreement of the operating site's terms of service for the service, and if so, the name, social security number, wire / wireless telephone number, or membership registration. Receive personal information about the client terminal and authenticate the user of the client terminal. If the authentication is successful, the type of the ceremonial service product, the price of the ceremonial service product, the amount of the installment payment, or the payment of the installment payment from the client terminal. Receive subscription information including one or more of the payment period from the client terminal (110, 112, 114) to process the subscription agreement of ceremonial service.

In addition, the member authentication unit 210, for example, a user who requested a member through the client terminal (110, 112, 114) request the payment of installment payment to the mother account of the ceremonial occasion service provider transfer CMS (Cash Management Service) and the user's account Provides a user interface for checking the CMS transfer period marking of the ceremonial service provider to the parent account and the periodic deposit transfer period marking from the mother account to the regular deposit account of a predetermined financial institution and transmitting the same to the ceremonial service providing apparatus 100. can do. In addition, after confirming whether the installment payment of the service subscription contract is deposited on the mother account on the installment payment date, the member authentication unit 210 may grant a membership while providing a member ID and an electronic book book.

The account manager 220 establishes a virtual account for managing the members for the client terminals 110, 112, and 114 authenticated by the member authenticator 210 as members associated with the mother account of the ceremonial service provider. The virtual account set by the account manager 220 is managed by separating the principal asset and the interest asset. The principal asset includes an installment payment deposited in a parent account by a member who has entered into a ceremonial service subscription contract, and the account management unit 220 stores and manages an installment payment made by each member. On the other hand, the interest asset refers to the revenue generated by depositing the principal assets paid by the member at a predetermined financial institution linked with the ceremonial service provider, the account management unit 220 from the installment payments paid by each member Calculate, store and manage interest assets generated by members.

In addition, in order to perform the above-described operation, for example, the account management unit 220, account setting unit 222, principal asset management unit 224, interest asset management unit 226, operating asset management unit 228, and payment The determination unit 230 may include.

The account setting unit 222 establishes a virtual account managed for each member in association with a mother account of a ceremonial service provider. The virtual account is provided by the ceremonial service provider for the convenience of the member in connection with the financial institution such as information on the current maintenance status of the installment payment and accumulated points accumulated according to interest asset generation through the ceremonial service service providing apparatus 100, It is distinguished from a periodic deposit account for periodic deposits with financial institutions. In the depository account, installment payments paid by the entire member for a predetermined period of time from the parent account of the ceremonial service provider are transferred to the CMS.

Principal asset management unit 224 may manage the principal assets, including installment payments according to the subscription agreement of the ceremonial service to be deposited in the parent account for each member, and also manage the entire principal assets for all members. The principal asset management unit 224 processes the installment payment received from all members at predetermined intervals (for example, five days) at regular intervals by transferring the CMS to a predetermined financial institution associated with a ceremonial service provider.

The interest asset management unit 226 may manage interest assets generated by depositing principal assets at a predetermined financial institution on a member-by-member basis, and may also manage total interest assets for all members. Certain financial institutions may select and change their ceremonial service providers in consideration of various circumstances. The interest asset management unit 226 controls to pay the corresponding amount when the payment for the event operation fee of the ceremonial service provider is requested from the payment determination unit 230 to be described below. Thereby, the balances paid by the service members or temporarily settled for the event are all deposited in the financial sector, and the subcontractors can be managed to perform the event using only the deposit interest. This is possible because, for example, only 30% of total events are received by the 10-year expiry of all service members, and about 3 events per month are requested. For example, if you deposit 1 million won in a 10-year term, approximately 12.2 million won will be made, including interest and compound interest, at 12% per year. Therefore, it is possible to deposit all the money of service members regularly and give additional benefits to the members with the interest that arises.

The operational asset management unit 228 converts and manages a principal asset including an installment payment deposited in the parent account to an operation asset that allows payment upon request of payment of the ceremonial service provider, for the member additionally provided with the ceremonial service.

For example, suppose that one ceremonial occasion was held before the due date of the installment payment. In this case, the accumulated points corresponding to the interest income of the total installment payments continue to accumulate. The reason is that the monthly payments paid by the members of the ceremonial service are deposited in the financial sector, and since the interest is continuously generated therefrom, the points accumulate as much as the interest. The ceremonial service member may use the event at any time, even before the expiration of the contract period, and after using the event, the installment balance will be settled on a lump sum basis at the close of the event. The event provider uses the event costs as interest earned from the regular deposits of the ceremonial service members, and even if the event is used in advance as if the ceremonial service members paid and the interest was earned from the regular deposits during that time, the accrual occurred even after the contract expiration date. Accumulated, and the amount settled in a lump sum after using the event is also deposited again in the financial sector, and interest is generated, so that the accumulated points accumulated together with the points paid in installments are predetermined points set in advance by the ceremonial service provider. (E.g., earn points corresponding to the total principal), members of the ceremonial service may use the additional ceremonial event at any time and at any time, or at any time, if necessary, withdrawal of the original payment. I can receive it. After the end of the additional event or the repayment of the installment event principal, the operational asset management unit 228 converts the total installment payment deposited in the parent account by the ceremonial service member to the operating profit of the ceremonial service provider, Enable providers to use net revenues.

As another example, assume that one ceremonial occasion was held after the payment due date of the installment payment. In this case, the accumulated points corresponding to the interest income of the total installment payments continue to accumulate. Once the accumulated points reach a predetermined point set by the ceremonial service provider (for example, points earned corresponding to the total installment payment), the member may use the additional ceremonial event at any time without any additional charges. It becomes possible. At the end of the additional ceremonial occasion, the operational asset management unit 228 converts the total installment payment deposited by the member into the parental service provider's operating revenue, thereby allowing the ceremonial service provider to use the net revenue.

If the payment determination unit 230 receives a request for payment of the exercise fee of the ceremonial occasion service provider, the payment of the event operation fee is allowed only for the amount belonging to the interest asset and the payment of the exercise fee for the amount belonging to the principal asset is prohibited. Here, the operating cost of the event refers to a cost directly spent on the ceremonial ceremonial occasion, for example, the cost of the ceremonial event due to the marriage of the member, and the like.

In addition, the account manager 220 may further include an electronic notebook manager 232 that provides an electronic notebook book so as to check information related to members and ceremonial service providers for each member. Here, the information related to the member and the ceremonial service provider, the information related to the above-described virtual account, the member's CMS withdrawal account and CMS withdrawal date, parent account deposit date, parent account deposit history, CMS transfer due date, financial institution name, mother account account Number, registered ceremonial services, member's monthly payments, monthly payment total and payment due date, accumulated accumulation points, total registered members, current registered members, total deposited amount, monthly deposited amount, total monthly deposit amount, total It may include one or more of the event spending amount, the current month event spending amount. Therefore, the member can confirm various information about the member and the ceremonial service provider by checking the electronic book book.

The usage right control unit 240 accumulates and manages accumulation points corresponding to interest income for each member. The usage right control unit 240 includes a usage right determination unit 246 for granting additional usage rights of the ceremonial service to the member of the ceremonial service if the accumulated points are accumulated by predetermined points set in advance by the ceremonial service. In addition, the usage right control unit 240 may grant the right to reduce the amount corresponding to the accumulated installment payment corresponding to the accumulated points.

For example, the predetermined point set in advance by the ceremonial service provider may correspond to the total installment payment that the member has to pay according to the subscription contract of the ceremonial service.

In addition, the usage right control unit 240 may further include an event request receiving unit 242 and an event notification unit 244.

The event request receiving unit 242 receives an event request for ceremonial service from client terminals 110, 112, and 114.

The event notification unit 244 automatically receives the event request to the ceremonial service provider call center 130 when the member judges that the member has the authority to use the ceremonial service by the authority to determine the usage authority. The service provider call center 130 may transmit information about the event request to the event manager of the ceremonial service or the event assistant terminal 140 (eg, a mobile phone) by voice or text message. In another embodiment, the event notification unit 244 may directly transmit information about the event request to the terminal 140 of the event official or event assistant of the ceremonial service by voice or text message.

Hereinafter, various application ranges that can be applied based on the configuration of the entire ceremonial system described above will be described.

In one embodiment, the ceremonial occasion service providing apparatus according to an embodiment of the present invention is configured to be linked to a third party server in cooperation with an online third party shopping site, and configured to use the ceremonial occasion service according to the present invention through a third party shopping site. Can be.

In addition, in another embodiment, the apparatus for providing ceremonial service according to an embodiment of the present invention may be configured to sell a ceremonial service providing site that entitles the ceremonial service provider to one or more offline ceremonial service companies.

In another embodiment, the apparatus for providing ceremonial service according to an embodiment of the present invention is a member having a right to use additional ceremonial service through accumulation of earned points, for example, through a donation selection input from a social record book or a social organization or It may be implemented to donate a predetermined profit in connection with a religious group. The ceremonial occasion service providing apparatus may be configured to transfer donation profits to a corresponding organization, for example, when a member moves to a donation window of an electronic notebook book and selects a content related to donation.

3 is a flowchart illustrating a method of providing a ceremonial occasion service according to an embodiment of the present invention.

Referring to FIG. 3, in operation 310, the apparatus for providing ceremonial ceremonial services performs member authentication on a client terminal requesting an online ceremonial ceremonial service.

In operation 320, the apparatus for providing a ceremonial occasion service sets a virtual account managed for each member in association with a parent account of a ceremonial service service provider for a client terminal authenticated with a member, and joins a subscription contract for a ceremonial service which deposits the virtual account in the parent account. Principal assets and principal assets, including installment payments, shall be classified and managed as interest assets resulting from periodic deposits with certain financial institutions.

In step 330, the ceremonial occasion service providing apparatus accumulates and manages the accumulated points corresponding to the above-described interest assets for each member, and in step 340, the ceremonial occasion service providing apparatus accumulates the accumulated points by a predetermined point set in advance by the ceremonial occasion service provider. Determine if

If the earned point is greater than or equal to a predetermined point preset by the ceremonial service provider, in step 350, the ceremonial service providing device grants additional usage rights of the ceremonial service to the member of the ceremonial service, and if the credited point is the ceremonial service If less than the predetermined point preset by the provider, the process ends.

Apparatus and method for providing a service for ceremonial occasions according to an embodiment of the present invention includes, for example, service payments such as marriage, lethargy, travel, hundred days, stones, sixtieth birthdays, seventy-five, Ko Hee-yeon, funeral related items, etc. Applicable to various tangible and intangible products.

In addition, the method of providing a ceremonial occasion service according to an embodiment of the present invention may be embodied as computer readable codes on a computer readable recording medium. Computer-readable recording media include all kinds of storage devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

1 is a view schematically showing an entire system including an apparatus for providing ceremonial services according to an embodiment of the present invention.

2 is a block diagram showing an apparatus for providing ceremonial occasions service according to an embodiment of the present invention.

3 is a flowchart illustrating a method of providing a ceremonial occasion service according to an embodiment of the present invention.

Claims (10)

A member authentication unit that performs member authentication on a client terminal requesting ceremonial service online; Set a virtual account managed for each member in association with a parent account of a ceremonial service provider, and installment payment according to a subscription contract of the ceremonial service which deposits the virtual account in the parent account, for the client authenticated client terminal. An account management unit for managing the principal asset and the principal asset separately from interest assets generated by depositing at a predetermined financial institution with interest; And When the accumulated points corresponding to the interest income is accumulated and managed for each member, and the accumulated points accumulate by a predetermined point set in advance by the ceremonial occasion service provider, additional usage rights of the ceremonial occasion service are granted to the member of the ceremonial occasion service. A use authority control unit for granting the right to grant or reduce the amount corresponding to the installment payment; The account management unit, An account setting unit for setting a virtual account managed for each member in association with a mother account of the ceremonial service provider; A principal asset manager for managing principal assets including an installment payment according to a subscription contract of the ceremonial occasion service deposited in the mother account; An interest asset management unit that manages an interest asset generated by depositing the principal asset in a predetermined financial institution; A payment determination unit that allows the payment of the event operation cost only for the amount belonging to the interest asset and the payment of the event operation cost for the amount belonging to the principal asset when the request for payment of the exercise fee for the ceremonial service provider is received; And An operation asset management unit for converting a principal asset including an installment payment deposited in the mother account into an operation asset allowing payment upon request of payment of the ceremonial service provider, for a member additionally provided with the ceremonial service; The use right control unit, An event request receiver configured to receive an event request for the ceremonial occasion service from the client terminal; And In case of permission to use the ceremonial service, the call center of the ceremonial service provider automatically receives the event request, and voice or text message information regarding the event request to a mobile phone of an event official or an event assistant of the ceremonial service. Device for providing ceremonial services online, comprising an event notification unit for transmitting to. delete delete delete The method of claim 1, wherein the member authentication unit, In the case of a new member, whether or not the terms and conditions of the operation site of the ceremonial service are agreed, name, resident registration number, wire / wireless telephone number, personal information about membership registration, ceremonial service product to be registered, service product price, installment payment, or installment payment Receiving subscription information including at least one of payment periods from the client terminal to process a subscription agreement for the ceremonial occasion service, In the case of an existing member, the apparatus for providing ceremonial services online, characterized in that for processing the login procedure of the ceremonial service. The method of claim 1, The account management unit includes an electronic notebook management unit for providing an electronic notebook book for identifying information related to the member and the ceremonial occasion service provider for each member, Information relating to the member and the ceremonial occasion service provider, Information related to the virtual account, the member's Cash Management Service (CMS) withdrawal account and CMS withdrawal date, parent account deposit date, deposit history and CMS transfer expiration date, financial institution name, parent account account number, registered ceremonial service products, The number of monthly payments of the member, the total amount of monthly payments and the maturity of the payments, the accumulated points, the total number of registered members, the number of registered members in the current month, the total amount of the regular deposits, the amount of the regular deposits in the current month, the total amount of events spent on the event, the amount of events spent on the current month Device for providing ceremonial services online, characterized in that it comprises one or more of. The method of claim 1, The predetermined point set by the ceremonial occasion service provider corresponds to the total installment payment amount that the member should pay in accordance with the subscription contract of the ceremonial occasion service. The method of claim 1, The client terminal is a computer, a laptop, a mobile phone, or PDA, the service for providing ceremonial services online. The method of claim 1, Wherein the account management unit, the installment payment amount is deposited from the whole member at a predetermined interval of one day, the CMS transfer to the financial institution to deposit a regular deposit online, characterized in that the apparatus for providing online services. delete

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