KR101021582B1 - Electronic voucher management system and method using point - Google Patents

Abstract

Disclosed are an electronic voucher management system and method for enabling payment for a service task using a point. Electronic voucher management system using the point according to an embodiment, the information management module for updating, storing and managing the received voucher subject information corresponding to the voucher subject; An account management module for managing deposits and withdrawals of deposit accounts, expenditure accounts, and out-of-pocket accounts; A point management module for requesting a financial institution any one of creating, destroying, increasing or decreasing the points; And a payment module for reviewing a claim from the financial institution and transferring the deposit and the copayment to a voucher account opened for the voucher subject corresponding to the claim. The electronic voucher management system and method according to the present invention has the effect of periodically processing the costs related to the service work using the point system, thereby increasing the flexibility of using the budget related to the service work.

Voucher, service, point, management

Description

Electronic voucher management system and method using point

The present invention relates to an electronic voucher management system, and more particularly, to an electronic voucher management system and method that enables payment for service services using a point (point).

Social services are socially provided to improve the welfare of individuals and society as a whole. Social services include social welfare services for childcare, protection of children, the disabled and the elderly, health care services for nursing and nursing care, educational services for after-school activities, special education, lifelong education, leisure support, and cultural life. Cultural and artistic services.

The voucher system is a system that supports the purchase of certain goods or services by granting a government-guaranteed payment to certain qualified persons. The voucher system guarantees consumer choice up to a certain level, thus promoting high quality service by promoting competition among service providers.

In the case of a paper voucher, it is easy to create and issue a voucher, but there is a large administrative cost in operating the voucher, and there is an institutional difficulty in preventing illegal use and supply and demand.

Therefore, it is possible to reduce the administrative costs required for the distribution and management of the voucher using the electronic voucher, and to minimize the construction cost by utilizing the financial institution infrastructure. In addition, by using the electronic voucher in conjunction with a credit card or check card, etc., it is possible to provide benefits such as payment of an out-of-pocket payment and additional purchase.

1 is a flowchart illustrating a service providing task using an electronic voucher. Referring to FIG. 1, a voucher subject 1, who is a service beneficiary, and a business institution 2 for selecting a service beneficiary, are illustrated. In addition, the center (3) performs monitoring and research to improve the distribution structure and service quality of the electronic voucher, including the deposit and settlement of the electronic voucher and the operation of the integrated computer network. 1) A financial institution that performs issuance, operation, payment and settlement of voucher cards in connection with a provider (5) providing services to the voucher, a voucher subject (1), a center (3) and a provider (5). (4) is shown.

When the voucher target person (1) applies for service to the business institution (2) (step S10), the business institution (2) examines whether the voucher target person (1) who has applied for the service has a user qualification, and the result of the examination If it is determined that it is approved (step S12). In addition, the business institution 2 provides the voucher subject information on the voucher subject 1 that has approved the user qualification to the center 3 (step S14), and provides the corresponding voucher subject 1 to the center 3. Deposit a deposit for the service (step S16). The center 3 provides the voucher subject information received from the business institution 2 to the financial institution 4 (step S18) and requests the creation of a voucher account opening, and the financial institution 4 based on the received voucher subject information. To open a voucher account for the voucher subject (1). And if there is a copayment to be paid by the voucher subject (1) in relation to the corresponding voucher account, the voucher subject (1) has paid the copayment (step S20) or if there is no copayment of the voucher subject (1) The voucher card is issued to the voucher subject 1 (step S22). The voucher card may be a credit card, a debit card, a check card, such as a voucher transaction function is added to the card that can be used for general financial transactions or a voucher transaction only.

The voucher subject 1 purchases a predetermined service from the provider 5 using the issued voucher card (step S24), and the provider 5 provides the predetermined service in return (step S26). The provider 5 then charges the financial institution 4 for the service provided (step S28), and the financial institution 4 pays the price (step S30). Regarding the charge of step S28, the financial institution 4 may proceed to step S30 after examining whether the provider 3 provides the service and charges properly by itself or through the center 3. .

In addition, the financial institution 4 transmits the payment details to the center 3 (step S32), and the center 3 examines the payment details and, in the case of just payment details, executes the funds using the deposited deposits ( Step S34). The center 3 reports the execution details to the business institution 2 (step S36).

The flow of funds, such as deposits, during the processing of the service providing task described above will be described in more detail with reference to FIG. 2.

2 is a view showing the flow of funds, such as deposits during the processing of the service providing task.

The center 3, which has been notified of the voucher subject who is the subject of the voucher card issuance from the business institution, requests the voucher account generation while providing the financial institution 4 with information on the voucher subject (step S51). The financial institution 4 generates the voucher account 4-1 for the voucher subject based on the voucher subject information (step S52).

The center 3 has a deposit account 3-1 and a copayment account 3-2, and regularly (eg, 1 from the deposit account 3-1 and the copayment account 3-2). The amount of money allocated to the corresponding voucher subject is transferred to the voucher account 4-1 generated by the financial institution 4, respectively (steps S52-1 and S52-2). Out-of-pocket payment means a certain amount that the voucher subject must pay in advance to receive the service.

The provider 5 requests the payment to the financial institution 4 after providing the service to the voucher target (step S53). The financial institution 4 approves itself and pays the payment (step S57) or requests the center 3 to approve it (step S54), and the center 3 examines the request for approval and then legitimates the service. If the offer is approved (step S56), the financial institution 4 allows payment (step S57).

In this case, a certain amount of money is transferred from the voucher account 4-1 of the voucher target person who has received the corresponding service to the provider account 5-1 of the provider 5 and payment settlement (step S57-1) is performed.

According to the process of the service providing work described above, payment settlement (step S57-1) at the financial institution 4 occurs from time to time, so that payment is made within 3 to 5 days after the provider 5 requests the payment. do. In this case, due to the frequent payment is made, there is a problem that it is troublesome to check the cost paid by the financial institution (4) and the provider (5).

In addition, since the amount of money is preferentially transferred to the voucher account 4-1, and then the transfer to the provider account 5-1 is irregular, the amount of money transferred to the voucher account 4-1 for the service business. Since the money was not used to pay the costs, subsequent refunds were not available to the institution in advance. Therefore, there is a problem that the flexibility in the use of the budget in the business institution, such as cannot be used in advance for other service business for the amount.

Accordingly, the present invention provides an electronic voucher management system and method that can be processed periodically the costs associated with service tasks using the point system, thereby increasing the flexibility of using the budget associated with the service tasks.

According to an aspect of the present invention, there is provided an electronic voucher management system for providing a point to a voucher subject to receive a service.

Electronic voucher management system using the point according to an embodiment, the information management module for updating, storing and managing the received voucher subject information corresponding to the voucher subject; Account management module for managing deposit and withdrawal of deposit accounts, expenditure accounts and copayment accounts, wherein the deposit accounts are deposited with deposits corresponding to the services, the deposits being withdrawn via the spending accounts and The deductible account has a deductible paid by the voucher subject; A point management module for requesting a financial institution any one of creating, destroying, increasing or decreasing the points; And a payment module for reviewing a claim from the financial institution and transferring the deposit and the copayment to a voucher account opened for the voucher subject corresponding to the claim.

The voucher subject information may include at least one of identification information of the voucher subject, a voucher registration number, a type of beneficiary service, an allocated deposit amount, whether the deductible is exempt, the amount or a deductible amount.

The point management module may transmit some of the voucher subject information together with the request.

The information management module includes helper card information registered by a helper providing the service to the voucher target, a helper regarding a phone number of a mobile communication terminal owned by the helper, a mobile identification number (MIN) or an electronic serial number (ESN). And a helper information manager for storing and managing helper information including at least one of the terminal information and providing the helper information to the financial institution.

The account management module, a deposit account management unit for managing the deposit and withdrawal of one deposit account opened by the financial institution, and transfers some or all of the deposits to the spending account by the first transfer request, and the financial institution An expenditure account management unit which manages the deposit and withdrawal of one expenditure account opened by the bank, transfers the amount transferred from the deposit account by the second transfer request to the voucher account, and one person opened by the financial institution; It may include a deductible account management unit that manages the deposit and withdrawal of the deductible account, and transfers some or all of the deductible to the voucher account by a third transfer request.

Here, the payment module, the request review unit for reviewing the request from the financial institution, and the first transfer request, the second transfer request and the third transfer request to the account management module according to the examination result Managing the information on at least one of the transfer request unit, and the total amount of deposits deposited in the deposit account, the amount transferred by the transfer request in the transfer request unit, and the deposit balance remaining in the deposit account after the transfer; It may include a deposit settlement department that performs settlement for the.

The point management module may include a point generation request unit configured to transmit a point generation request to generate a point corresponding to a deposit amount allocated to the voucher subject and a deductible amount paid by the voucher subject, and a preset point extinction condition is established. A point extinction request unit for requesting extinction of the remaining points except points deducted through point payment among the generated points, and an increase or increase of the points depending on whether a preset point increase condition or a point decrease condition is established; It may include a point increase or decrease request unit for requesting a reduction. Here, the payment module may examine the service usage history of the voucher subject and the payment history of the point according to the periodic request from the financial institution.

The point management module may further include a point coordinator for performing one of point switching between services for the voucher subject, point switching between each voucher subject for a plurality of voucher subjects, and a combination thereof.

In addition, the electronic voucher management system may further include a decision support module for providing an analysis data on the deposit execution history for each business institution to enable the project prediction for the service.

The electronic voucher management system may further include an information providing module for providing payment settlement data based on the payment details of the points and the transfer details through the payment module.

According to another aspect of the present invention, a method for managing an electronic voucher in an electronic voucher management system for providing a point to a voucher subject to receive a service and a recording medium on which a program for performing the same is recorded. .

Electronic voucher management method using a point according to an embodiment, the step of receiving the voucher subject information corresponding to the voucher subject (a); (B) providing the voucher subject information to a financial institution and transmitting a point generation request corresponding to the voucher subject; (C) receiving a payment claim based on the point payment history for a preset period from the financial institution; (D) reviewing the payment claim; (E) sending a first transfer request to transfer the deposit assigned to the voucher subject deposited in the deposit account to the spending account if approved according to the result of the audit; (F) sending a second transfer request to transfer the transferred amount from the spending account to the voucher account opened for the voucher subject when the transfer is completed; And (g) transmitting a third transfer request for transferring the deductible paid by the voucher target, which is deposited in the deductible account, to the voucher account, if approved according to the examination result.

Step (e) and step (f) and step (g) may be performed in parallel.

Steps (b) to (g) may be repeatedly performed according to a preset period.

In step (d), the point payment history may be compared with the service usage history of the voucher subject.

The voucher subject information may include at least one of identification information of the voucher subject, a voucher registration number, a type of beneficiary service, an allocated deposit amount, whether the copayment is exempt, the amount or rate of the present contribution.

The method further includes providing helper information to the financial institution, wherein the helper information includes helper card information registered by a helper providing the service to the voucher target, a phone number of the helper-owned mobile communication terminal, MIN (Mobile It may include at least one of the helper terminal information on the Identification Number (ESN) or Electronic Serial Number (ESN).

Other aspects, features, and advantages other than those described above will become apparent from the following drawings, claims, and detailed description of the invention.

The electronic voucher management system and method according to the present invention has the effect of periodically processing the costs related to the service work using the point system, thereby increasing the flexibility of using the budget related to the service work.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all transformations, equivalents, and substitutes included in the spirit and scope of the present invention. In the following description of the present invention, if it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

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 "having" 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.

In the present invention, the voucher subject means a person who is recognized as a service beneficiary. In addition, a business institution means a government, a local government, and / or an organization that conducts a business (for example, the Health Insurance Corporation, etc.), and establishes a basis for selection criteria, service type, voucher payment method, etc. Application acceptance, selection, notification and service provider's application reception, selection and notification shall be performed. In addition, the center conducts deposit and settlement of electronic vouchers, operation of integrated computer networks, and monitoring and research to improve the distribution structure and service quality of electronic vouchers. Providers are recognized by service providers as service providers and provide services to multiple voucher subjects. Financial institutions work with vouchers, centers and providers to issue, operate, pay and settle voucher cards. In addition, in this specification, a description will be given on the assumption that a business institution, a center, a financial institution, and a provider represent each system in which they are constructed.

In the present invention, the service providing task is a caregiver business that provides housework support and activity support to the elderly who are difficult to carry out daily life on their own, disabled people who support activity assistance to the physically and mentally disabled people with everyday life and social activities Social assistance services include activity assistance support projects, maternity newborn helper visits to maternity newborns, community service innovation projects, and home care helper projects. In addition, cash payments and goods (services, services, etc.) are provided. Those skilled in the art will appreciate that a variety of services may be applicable.

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

3 is a view showing the flow of funds, such as deposits during the processing of the service providing service according to an embodiment of the present invention.

Referring to FIG. 3, the center 150, the financial institution 160, and the provider 170 are connected to each other to provide a service to the voucher subject, and the voucher subject and the business institution illustrated in FIG. 1 are omitted. have. For convenience of understanding and explanation of the invention, hereinafter, it is assumed that a business institution selects a voucher target who is a service beneficiary and provides the center 150 with the voucher target information for the voucher target.

The center 150 has an electronic voucher management system, and the voucher subject information managed in the electronic voucher management system is as follows. Identification information for identifying the subject of the voucher includes a social security number, an I-PIN or a G-PIN, and the like. It may be further included.

The center 150 receives the voucher target information from the business organization and manages the qualification of the voucher target (step S100). As the eligibility of the voucher subject is changed, the services that can be provided and the limit of points that can be generated for the service are changed.

The center 150 provides the financial institution 160 with the voucher subject information according to the qualifications of the voucher subject mentioned above, and requests the corresponding voucher subject to generate corresponding points (step S101).

If the target voucher is the subject of the deductible payment, the financial institution 160 checks the deductible account 156 of the target voucher to confirm whether the deductible has been deposited (step S102). If the deductible has been deposited, go to the next step. Alternatively, if the corresponding voucher target is not a deductible payment target, step S102 may be omitted.

The financial institution 160 generates a point ledger when there is no point ledger for each voucher subject to the point generation request (step S104). Point ledgers include the creation of points, including points created, points deducted by point payments related to future service provision, points increased due to deposits of additional amounts, points expired upon fulfillment of expiration conditions such as the expiration of periods, Records of use and extinction are recorded. The points generated vary depending on the type of service the voucher is to receive, government-funded deposits and copayments, depending on the personal information (eg, income, age, gender, etc.) of the voucher.

In step S104, if the voucher account 162 for the corresponding voucher target has not been opened, the opening of the voucher account 162 is also performed at the same time. The voucher account 162 is a virtual account opened for each voucher subject, and can be used only for payment of a fee related to a service.

The provider 170 requests the payment to the financial institution 160 after providing the service to the voucher target (step S106). The financial institution 160 deducts the point settled within the remaining point range after the approval process for the payment request (step S108). Steps S106 to S108 are repeatedly performed for a predetermined period (for example, one month unit, etc.), and if the remaining points are smaller than the points requested for payment, the point payment in the financial institution 160 may fail.

In addition, the center 150 is provided with information on the qualification of the voucher subject from the business institution aperiodically. Based on the information on the eligibility of the voucher subject, the center 150 manages the eligibility of the voucher subject, and may request a point change when a change in points such as an increase or decrease of points occurs for the corresponding voucher subject ( Step S109). The financial institution 160 transmits the point payment history for a predetermined period recorded in the point ledger to the center 150 to periodically claim a corresponding amount (step S110). The point payment details include the initial point details generated together with the generation of the point ledger in step S104, and the points details deducted by the point settlement made by repeatedly performing steps S106 and S108.

The center 150 may compare the service usage history and the point payment history with respect to the periodic request from the financial institution 160 (step S112). The service usage history may be provided from the provider 170 or the financial institution 160. If the result of the examination matches the service usage history and the point payment history, the approval may be performed by transmitting the full text of approval for the payment history to the financial institution 160 (step S114).

Alternatively, if necessary, the point payment history may be replaced with an approval without a screening process in the center 150.

Upon approval at the center 150, the transfer of some or all of the deposits allocated to the corresponding voucher subjects from the deposit account 152 managed by the center 150 to the spending account 154 according to the point payment details. (Step S114-1). The deposit transferred from the deposit account 152 through the spending account 154 is transferred to the voucher account 162 of the voucher subject (step S114-2). By transferring the deposit from the deposit account 152 to the voucher account 162, the expenditure account 154 is used as an intermediate channel, thereby securing the transparency of the deposit operation and providing an opportunity to confirm the deposit amount to be paid and settled again. It is effective.

And if the corresponding voucher target is the deductible payment target, transfer all or part of the deductible of the corresponding voucher target deposited in the deductible account 156 according to the point payment details to the voucher account 162 (step S114-3) ).

When a part or all of the deposit and the copayment according to the point payment details are transferred to the voucher account 162, the payment is performed by transferring the corresponding amount to the provider account 172 (step S116).

The center 150 manages information on the total amount of deposits deposited in the deposit account 152, the amount transferred in step S114-1, the deposit balance remaining in the deposit account after the transfer, and performs settlement of deposits. (Step S118). Each business institution may perform settlement work on the total deposit amount, transfer amount, balance and payment details.

Here, step S114-1, step S114-2, step S114-3, and step S116 are performed when there is a periodic claim at the financial institution 160 (step S110) and is approved at the center 150 (step S114). As in the prior art, it is not performed regularly or from time to time, but periodically. Here, the period in which the transfer between financial accounts is performed varies according to the voucher subject and / or service business.

Accordingly, the center 150 may pay and settle the service fee for the amount deposited in the deposit account 152 on a post-paid basis, and use flexibility in budget management such as using the other amount for the amount not paid or settled. There is an advantage to increase.

4 is a more detailed structural diagram of a financial account according to an embodiment of the present invention.

The financial account includes a copayment account (156), a deposit account (152), an expenditure account (154), which is a parent account, and a plurality of personal virtual accounts (157 (1) -157 (n), which are child accounts). ), A plurality of business accounts (153 (1)-153 (m)), and a plurality of voucher accounts (162 (1)-162 (k)). Here, n, m and k are arbitrary natural numbers.

A plurality of personal virtual accounts (157 (1) -157 (n)) may be opened to those who are eligible for out-of-pocket payments. For example, according to the 2008 Guidelines, copayment is exempt for basic living beneficiaries, 20,000 won per month for less than 120% of the minimum living, and 40,000 won per month for more than 120% of the minimum living. . Therefore, the basic living beneficiary is exempt from copayment, so it is not necessary to have a personal virtual account 157, and only a person who is eligible for a voucher with copayment can open a personal virtual account 157.

In another embodiment, even if the copayment is exempted, the copayment may be set to be paid on the assumption that 0 won is deposited after opening the personal virtual account 157 for the voucher subject.

The deductibles deposited in each individual virtual account 157 (1) -157 (n) are integrated into one deductible account 156 and managed by the center 150.

A plurality of business account accounts 153 (1) -153 (m) are opened for each business institution. For example, one business account account 153 is opened for each business institution participating in a specific service business managed by the center 150 and managed as a magnetic account of the deposit account 152.

Each businessman's account (153 (1) -153 (m)) receives deposits, which are grants that the institution supports for the service project, and the deposits of all service providers for the service project are made in one deposit account (152). And is managed by the center 150.

When there are a plurality of service businesses managed by the center 150, the deposit account 152 may be opened for each service business.

The deposits deposited in the deposit account 152 are transferred to the spending account 154 corresponding to the point payment details according to the periodic request from the financial institution 160. The spending account 154 is also managed by the center 150, and the management department of the deposit account 152 and the management department of the spending account 154 may be different.

A portion or all of the deposit and copayment is transferred from the spending account 154 and the copayment account 156 to each voucher account 162 (1) -162 (k) in accordance with the point payment history, and each voucher account 162 (1) -162 (k)) make payments on a regular basis using the transferred amount.

Hereinafter, the electronic voucher management system provided in the center 150 in relation to the performance of the above-described service tasks and the flow of deposits will be described in detail with reference to FIG. 5.

5 is a block diagram of an electronic voucher management system using points according to an embodiment of the present invention, Figure 6 is a block diagram of an information management module included in the electronic voucher management system according to an embodiment of the present invention. 7 is a block diagram of an account management module included in an electronic voucher management system according to an embodiment of the present invention, and FIG. 8 is a diagram of a point management module included in an electronic voucher management system according to an embodiment of the present invention. 9 is a block diagram of a payment module included in the electronic voucher management system according to an embodiment of the present invention.

Referring to FIG. 5, the electronic voucher management system 500 includes an information management module 510, an account management module 520, a point management module 530, and a payment module 540. The electronic voucher management system 500 is provided in the center 150, manages information related to the processing of the above-described service work, manages some of the financial accounts (deposit account, spending account, copayment account, etc.), points It is involved in the creation, extinction and increase / decrease, and conducts the review and approval of claims from financial institutions.

Referring to FIG. 6, the information management module 510 manages information necessary to perform a service task.

The voucher subject information management unit 512 stores and manages the voucher subject information related to the voucher subject who is a beneficiary who receives the service.

The voucher subject information includes identification information such as social security number, I-PIN and G-PIN to identify the voucher subject, voucher registration number, the type of service the voucher subject will be provided to, and the voucher subject assigned to the voucher subject. Include at least one of deposit amount, copayment waiver, or copayment rate. Here, I-PIN (Internet Personal Identification Number) is a service for solving side effects (abuse for various crimes) caused by use on the Internet and is a cyber identity identification number developed by this. The G-PIN (Government Personal Identification Number) is a personal identification number used by public authorities.

In addition, the voucher target information may also include financial account information such as a personal virtual account of the voucher subject, which is the magnetic account of the copayment account opened by the financial institution, and a voucher account of the voucher subject.

The voucher target information management unit 512 stores the voucher target information, updates each piece of information when a reason for change occurs, and provides some information to a financial institution as necessary.

The helper information manager 514 stores and manages helper information related to a helper which is a service provider that provides a service. There are service tasks that require helpers according to the type of service task, and there are service tasks that do not require helpers. Accordingly, the helper information manager 514 may be activated only for service tasks that require a helper.

The helper information includes at least one of helper card information or helper terminal information regarding a phone number of a mobile communication terminal owned by the helper, a mobile identification number (MIN), or an electronic serial number (ESN).

The helper card information is information about a helper card for identifying a helper when a helper belonging to a provider uses an electronic voucher-only terminal when requesting payment for service contents after providing a service to a voucher target. The card number of the helper card is included in the helper card information. An electronic voucher dedicated terminal will be described later with reference to the drawings.

The helper terminal information relates to the helper's mobile communication terminal for identifying the helper when the helper belonging to the provider uses the mobile payment using the mobile communication terminal when requesting payment for the service contents after providing the service to the voucher subject. Information. The mobile payment using the mobile communication terminal will be described later.

The helper information manager 514 stores the helper information, updates each information when a reason for change occurs, and provides some information to a financial institution as necessary.

Referring to FIG. 7, the account management module 520 manages a deposit account, an expenditure account, and a copayment account that need to be managed by the center among the aforementioned financial accounts.

The deposit account manager 522 manages the deposit and withdrawal of one deposit account opened by a financial institution. A deposit account is a parent account having a plurality of business accounts as own accounts. Multiple business accounts are allocated and opened one by one for each service business. When deposits of the amount supported by the service provider for each service business are deposited in each businessman's account, it can be transferred to the deposit account to pursue convenience of management.

In addition, the deposit account management unit 522 is the first deposit from the transfer request unit 544 of the payment module 540 for all or part of the deposit to the voucher subject among the deposits deposited in the deposit account that need to be transferred to the voucher account. If a transfer request is received, transfer to the expense account.

The expenditure account management unit 524 manages the expenditure account which is transferred before the portion of the deposit deposited in the deposit account that needs to be transferred to the voucher account by periodic billing from the financial institution. The spending account manager 524 checks the deposit amount transferred from the deposit account to the spending account and, if a second transfer request is received from the transfer request unit 544 of the payment module 540, transfers to the voucher account. .

In this case, the first transfer request and the second transfer request are preferably made by another management department in the center, thereby ensuring the transparency of the deposit operation and providing an opportunity to once again confirm the deposit amount to be paid and settled. .

The deductible account management unit 526 manages the deposit and withdrawal of one deductible account opened by a financial institution. Out-of-pocket accounts are mother accounts that have multiple personal virtual accounts as their own accounts. A plurality of personal virtual accounts are opened and allocated one by one for each voucher, and can be opened only for the person who is required to pay the copayment. When the voucher subjects pay their copayments to their respective virtual accounts, the copayments are transferred to their copayment accounts for ease of management.

When the third payment request is received from the transfer request unit 544 of the payment module 540, the deductible account manager 526 transfers a part or all of the deductible paid by the corresponding voucher to the voucher account.

Referring to FIG. 8, the point management module 530 is involved in the generation, destruction, and increase and decrease of points.

The point generation request unit 532 transmits a point generation request to generate a point corresponding to the deposit amount allocated to the corresponding voucher subject and the amount of the deductible paid by the corresponding voucher subject. In the case of an initial point generation request for the corresponding voucher subject, a point ledger generation request may also be transmitted.

In this case, some of the voucher target information managed by the voucher target information management unit 512 may be provided together and used to generate points in a financial institution. The voucher subject information provided includes at least one of identification information, voucher registration number, personal virtual account, voucher account, allotment amount, deductible amount or ratio.

Point generation request is made periodically, and the point information and payment information is provided together. The point information includes at least one of the point conversion rate, the point system type, and the upper limit of the point amount. The payment information includes a billing cycle or a billing date, and is used by a financial institution to determine a billing cycle or billing date of a payment payment for a use point.

Point systems include a flat rate and a fixed rate system. The subscription provides a certain amount of money for the voucher subject, and thus provides only a certain point. The rate system determines only the deposit and copayment ratio for the voucher subject, so the deposit and points are determined according to the copayment paid by the voucher subject. In the case of a flat rate or a fixed rate system, the upper limit of points that can be allocated to each voucher subject may be predetermined.

The financial institution records the newly generated points in the point ledger of the voucher subject according to the point creation request from the point generation requesting unit 532, and if the voucher subject receives the service through the assistant, the corresponding point payment is made. Deduct the points through.

The point extinction request unit 534 transmits a point extinction request to extinguish the remaining points remaining in the point ledger of the financial institution when the point extinction condition is established. The point extinction condition is the passage of a preset period (for example, when a payment is made for a usage point on a monthly basis, a point is newly generated every month and the remaining points are not carried forward, but are destroyed). Loss of eligibility (eg, death).

The point increase / decrease request unit 536 transmits a point increase or decrease request for increasing or decreasing the points of the point ledger of the financial institution when the point increase condition or the point decrease condition is established. In the case of a fixed rate system, the point increase condition may be an additional payment of copayment by the voucher. Institutions will receive additional deposits corresponding to the amount of additional payments and increase points corresponding to additional paid copayments and additional supported deposits. Alternatively, the point increase condition and the point decrease condition may include various reasons such as a change in the qualification of the voucher subject. Points may be increased or remaining points may be decreased according to the voucher subject's qualification change.

Points are generated for each voucher and service. That is, points A and B are generated for the voucher subject A and the voucher subject B, respectively, and a point a1 for the first service and a point a2 for the second service are generated for the voucher subject A, respectively.

In one embodiment, each voucher subject uses services and pays points within a range of points created for each service.

In another embodiment, the point management module 530 further includes a point coordinator 538, wherein one of the point switching between each service for the voucher subject, the point switching between each voucher subject for the plurality of voucher subjects, and a combination thereof. Perform

First, an example of switching points between services will be described. It is assumed that the voucher subject A is a beneficiary of the first service and the second service, 10000 points are generated for the first service, and 20,000 points are generated for the second service.

In this case, the point coordinator 538 recognizes that the total number of points for the voucher subject A is 30000 points (the sum of the points for the first service and the points for the second service), and the first service is selected by the voucher subject A. Points for and points for the second service can be regrouped within a total of 30000 points. That is, the voucher subject A may allocate 30000 points as points for the first service and 0 points as points for the second service, allocate 20000 points as points for the first service, and assign 20,000 points for the second service. You can also assign 10000 points.

Here, although it is assumed that points are converted one-to-one between services, in some cases, the points may be converted by varying the weight between the services.

Through this point reorganization, the voucher target can be provided with sufficient service by converting the remaining points of other services not in use into points of the service to be used.

Next, the point conversion between the voucher subjects will be described as an example. It is assumed that 10000 points are generated for the voucher subject B, and 20,000 points are generated for the voucher subject C.

In this case, the point coordinator 538 recognizes that the total points are 30000 points (the sum of the points for the voucher subjects B and C) for the group including the voucher subjects B and C, and the selection of the voucher subjects B and / or C By this, points for each voucher subject can be reorganized within a total of 30000 points. That is, 30000 points can be assigned to the voucher B and 0 can be assigned to the voucher C, 20000 points to the voucher B and 10000 points to the Voucher C You can also assign

Here, although it is assumed that points are converted one-to-one between each voucher subject, the points may be converted by varying the specific gravity between each voucher subject.

Through this point reorganization, the remaining points of the unused other voucher subjects are converted into points of the voucher subjects to be used, thereby enabling the corresponding voucher subjects to receive sufficient services.

In this case, however, it may be necessary to satisfy certain conditions among the voucher subjects. For example, each voucher subject who can convert points must be a member of a household. Groups of children, mothers, seniors, and the like belonging to a family may be grouped into one family, and only points generated for the children, points generated for the mother, and points generated for the elderly may be switched to each other.

In addition, the point coordinator 538 may perform the conversion between points and cash in addition to the conversion between points. That is, the points generated for a particular voucher subject can be converted into cash on request so that the voucher subject can find cash, or the cash owned by the voucher subject can be converted into points to enable payment of points after using the service. .

Referring to FIG. 9, the payment module 540 performs a review and approval of a request from a financial institution.

The claim review unit 542 examines the payment request periodically sent from the financial institution. If there is no abnormality by comparing the received service usage history with the point payment history, the approval is decided.

The transfer request unit 544 sends the first transfer request to the deposit account when the approval is determined by the claim review unit 542 so that the approved deposit from the deposit account to the spending account is transferred. When the transfer from the deposit account to the spending account is completed and reconfirmation of the transferred amount is completed, a second transfer request is sent to the spending account to transfer the amount from the spending account to the voucher account.

In addition, the transfer request unit 544 also transmits a third transfer request for transferring the approved amount of the deductible of the corresponding voucher deposited in the copayment account to the voucher account.

The deposit settlement unit 546 manages information about the total amount of deposits deposited in the deposit account, the amount transferred by the transfer request in the transfer request unit 544, and the remaining balance of the deposit in the deposit account after the transfer. Perform settlement for Each business institution may perform settlement work on the total deposit amount, transfer amount, balance and payment details.

According to another embodiment, the electronic voucher management system 500 may further include a decision support module 550 and / or an information providing module 560.

The decision support module 550 analyzes deposit execution history for each business entity based on the service usage history and point payment history reviewed and approved in the payment module 540. By providing the results of the analysis, the agency can support the project prediction according to the service volume of the service. That is, the business institution may predict the number of eligible voucher subjects for a certain cycle according to the deposit and the required deposit and service eligible subjects according to the change of the selectable personnel for each cycle.

The information providing module 560 provides data related to payment settlement, such as payment to a provider, repayment of residual money, that is, payment settlement data such as service details, usage, and payment amount of the provider. The payment settlement data may be generated based on the payment details of the points and the transfer details through the payment module 540. In addition, the payment settlement data may be provided to the business institution in conjunction with the settlement business results performed by the deposit settlement unit 546.

An electronic voucher management method using points according to an embodiment of the present invention will be described in detail below.

10 is a flowchart illustrating an electronic voucher management method using points according to an embodiment of the present invention.

In step S600, the electronic voucher management system receives and stores the voucher subject information from the business institution. In addition, it can also receive and store the helper information from the business institution.

The helper information is transmitted to the financial institution, and when the financial institution receives a request for payment of points according to the service provision from the provider, the helper information may be used to determine whether the service provision is properly performed.

In step S605, the stored voucher target information is provided to the financial institution, and a point generation request for the corresponding voucher target is transmitted. The financial institution generates a point ledger when the point creation request is the first for the voucher subject, and records the newly created point in the point ledger. Thereafter, the point settlement and the point deduction related to the service are performed within the point limit generated during the preset period.

Here, the electronic voucher management system may transmit a point extinction request or a point increase or decrease request aperiodically. When the financial institution receives the point extinction request, all the remaining points are destroyed. When the financial institution receives the point increase or decrease request, the financial institution increases or decreases the points.

In step S610, a payment request is received from a financial institution after a predetermined period has elapsed. The preset period may be the same or different for each voucher subject. The financial institution charges the payment of the corresponding amount while transmitting the payment history for the predetermined period of points generated according to step S605.

In step S615, the point payment history for the preset period and the service usage history of the corresponding voucher target is compared and examined. The service usage history may be received from a provider or a financial institution.

In operation S620, when the approval of the audit result is determined, the first transfer request is transmitted to the financial institution. The first transfer request relates to deposit transfer from a deposit account to a spending account.

In step S625, when the deposit transfer to the spending account is completed, the second transfer request is sent to the financial institution. The second transfer request relates to a deposit transfer from the spending account to the voucher account of the voucher subject.

In step S630, the third transfer request is sent to the financial institution. The third transfer request relates to a deductible transfer from a copayment account to a voucher account.

Steps S620 and S625 may be performed sequentially, and step S630 may be performed in parallel with steps S620 and S625.

In addition, steps S605 to S630 may be repeatedly performed at regular intervals.

On the other hand, the above-described electronic voucher management method can be created by a computer program. The codes and code segments that make up the program can be easily deduced by a computer programmer in the field. The program is also stored in a computer readable media, and read and executed by a computer to implement the electronic voucher management method. The information storage medium includes a magnetic recording medium, an optical recording medium and a carrier wave medium.

A payment using an electronic voucher-only terminal and a mobile payment using a mobile communication terminal will be described with reference to the drawings.

11 is a perspective view of an electronic voucher-dedicated terminal according to an embodiment of the present invention.

The electronic voucher-only terminal 700 includes a paper cover 710, a card reader 720, a display 730, a receipt output 740, a power connector 750, an operation button 760, and a helper card insertion hole ( 770, a download jack connection 780.

The paper cover 710 protects the receipt paper for the service fee provided upon payment success or failure. The card reader 720 inserts the voucher card held by the voucher subject in the groove and proceeds in a predetermined direction to read the information recorded on the voucher card. The display unit 730 displays information for the user to confirm the payment, payment request, payment success or failure. The receipt output unit 740 outputs a receipt upon payment success or failure. The power connection unit 750 is connected to a power line for supplying power to the electronic voucher-only terminal 700, the operation button 760 is composed of a keypad or touch screen to allow the user to request the payment and payment. . The helper card insertion hole 770 is a space for inserting a helper card in which identification information regarding the helper is recorded in order to identify the helper who provided the service, and the download jack connection unit 780 is an electronic voucher dedicated terminal 700 for a payment program. Jack for downloading is connected.

The helper inserts a helper card into the helper card insertion hole 770 after providing the service, and inputs the cost of the service provided using the operation button 760. In addition, the card reader unit 720 requests the point payment by reading the voucher card of the voucher target, and the electronic voucher-dedicated terminal 700 that transmits / receives information with the financial institution may succeed or fail depending on the approval from the financial institution. Print the receipt corresponding to. The receipt contains information on points held by the voucher, that is, remaining points and points deducted due to payment.

In addition to the payment using the electronic voucher terminal 700 as described above, the mobile payment using the assistant's mobile communication terminal may be used for point payment.

Mobile payment may use RFID (radio frequency identification) to identify the voucher subject. The voucher is provided with an RFID tag or an RFID card, and the helper includes an RFID reader that can be connected to and used in a mobile communication terminal. By reading the information stored in the RFID tag or RFID card using the RFID reader it is possible to identify the voucher subject.

The helper performs a mobile payment corresponding to a service cost by using a mobile communication terminal after providing a service. Since the mobile payment will be apparent to those skilled in the art, a detailed description thereof will be omitted, and in the present invention, there is only a difference between point payment and not payment.

It is to be understood that one or more of the components in the embodiments of the present invention may be implemented in an integrated manner, or some of the components may be functionally subdivided and implemented, which is within the scope of the present invention.

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.

1 is a flowchart illustrating a service providing task using an electronic voucher.

2 is a view showing the flow of funds, such as deposits during the processing of the service providing task.

3 is a view showing the flow of funds, such as deposits during the processing of the service providing service according to an embodiment of the present invention.

4 is a more detailed structural diagram of a financial account according to an embodiment of the present invention.

5 is a block diagram of an electronic voucher management system using points in accordance with an embodiment of the present invention.

6 is a block diagram of an information management module included in an electronic voucher management system according to an embodiment of the present invention.

7 is a block diagram of an account management module included in the electronic voucher management system according to an embodiment of the present invention.

8 is a block diagram of a point management module included in the electronic voucher management system according to an embodiment of the present invention.

9 is a block diagram of a payment module included in the electronic voucher management system according to an embodiment of the present invention.

10 is a flowchart of an electronic voucher management method using points according to an embodiment of the present invention.

11 is a perspective view of an electronic voucher-only terminal according to an embodiment of the present invention.

Claims (18)

An electronic voucher management system for providing a point to a voucher subject to receive a service, An information management module for updating, storing and managing the received voucher subject information corresponding to the voucher subject; Account management module for managing deposit and withdrawal of deposit accounts, expenditure accounts and copayment accounts, wherein the deposit accounts are deposited with deposits corresponding to the services, the deposits being withdrawn via the spending accounts and The deductible account has a deductible paid by the voucher subject; A point management module for requesting a financial institution any one of creating, destroying, increasing or decreasing the points; And A payment module for reviewing a payment claim based on point payment details for a predetermined period from the financial institution and transferring the deposit and the copayment to a voucher account opened for the voucher subject in accordance with the payment request; But The point management module includes a point coordinator which performs one of a point switch between each service for the voucher subject, a point switch between each voucher subject for a plurality of voucher subjects, and a combination thereof. Voucher Management System. The method of claim 1, The voucher subject information includes at least one of identification information of the voucher subject, a voucher registration number, a beneficiary service type, an allocated deposit amount, whether the copayment is exempt, the amount or ratio of the present contribution amount, and the like. Electronic Voucher Management System. The method of claim 2, And the point management module transmits a part of the voucher subject information together with the request. The method of claim 1, The information management module is a helper terminal for helper card information registered by a helper providing the service to the voucher target, a phone number of the helper-owned mobile communication terminal, a mobile identification number (MIN), or an electronic serial number (ESN). Electronic voucher management system using points, characterized in that it comprises a helper information management unit for storing and managing helper information including at least one of the information and providing the helper information to the financial institution. The method of claim 1, The account management module, A deposit account management unit that manages the deposit and withdrawal of one deposit account opened by the financial institution, and transfers some or all of the deposits to the spending account by a first transfer request; An expenditure account management unit that manages the deposit and withdrawal of one expenditure account opened by the financial institution, and transfers the amount transferred from the deposit account by the second transfer request to the voucher account; and Points characterized in that it comprises a deductible account management unit that manages the deposit and withdrawal of one deductible account opened by the financial institution, and transfers some or all of the deductibles to the voucher account by a third transfer request. Electronic Voucher Management System Using. The method of claim 5, The payment module, A claim examination unit that examines a payment claim based on point payment details for a predetermined period from the financial institution; A transfer request unit for transmitting the first transfer request, the second transfer request, and the third transfer request to the account management module according to the examination result; and Managing information on at least one of the total amount of deposits deposited in the deposit account, the amount transferred by the transfer request in the transfer request unit, and the remaining balance of the deposit in the deposit account after the transfer, and performing settlement of the deposit; Electronic voucher management system using the point, characterized in that it comprises a deposit settlement. The method of claim 1, The point management module, A point generation request unit for transmitting a point generation request for generating a point corresponding to a deposit amount allocated to the voucher subject and a deductible amount paid by the voucher subject; A point extinction request unit for requesting extinction of the remaining points except for points deducted through point payment among the generated points according to whether a preset point extinction condition is established; and And a point increase / decrease request unit which requests to increase or decrease the point according to whether a preset point increase condition or a point decrease condition is established. The method of claim 7, wherein The payment module uses the points of the electronic voucher, characterized in that to examine the service history of the voucher subject and the payment history of the point according to the payment request according to the point payment history for the predetermined period from the financial institution. Management system. The method of claim 1, The point coordinator is a point-to-point voucher between the respective services or the voucher subjects, or the point is converted by different weights to each other electronic voucher management system using a point. The method of claim 1, Electronic voucher management system using the point further comprises a decision support module for providing business analysis of the deposit execution for each business institution to enable the project prediction for the service. The method of claim 1, And an information providing module for providing payment settlement data based on the payment details of the points and the transfer history through the payment module. delete delete delete delete delete delete delete

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