KR101568412B1 - Method for providing spot deposit service - Google Patents

Abstract

Provided is a method for providing a spot deposit service, which includes the following steps: receiving a card settlement event by intercepting the card settlement event, in case the card settlement event from a user terminal to a shopping mall terminal occurs; calculating settlement money corresponding to the card settlement event and service usage fee of the shopping mall terminal, in case an approval event corresponding to the card settlement event is received from a card company server; depositing amount for deposit by excluding the calculated service usage fee from the settlement money immediately to an account number related with the shopping mall terminal; transmitting a billing event as to the settlement money to the card company server before a previously established date from a card sales deposit date of the shopping mall terminal; and increasing a credit rating as to the card company server and the shopping mall terminal, and generates a database as to the credit rating, the service usage fee, a spot deposit date and a billing deposit date, in case the bill deposit as to the billing event is checked.

Description

METHOD FOR PROVIDING SPOT DEPOSIT SERVICE [0002]

The present invention relates to a method for providing an instant deposit service.

In recent years, as the use of credit cards, check cards and various kinds of cards has increased, users have been able to make payments without having cash, and sellers are able to settle sales by receiving money from a credit card company on a specified date. If funding is required by the designated date, the seller may have generated sales but no funds are available.

The method of promptly depositing credit card payment to a merchant is to withdraw credit card sales approved by the credit institution as collateral. In this regard, Korean Patent Laid-Open Publication No. 2005-0077462 (published on Aug. 22, 2005) discloses a system for generating a loan and a withdrawal account management system by credit card sales approved mortgage loan, inquiring reason for withdrawal withdrawal, If there is no reason, withdrawal is possible.

However, if the loan is approved for credit card sales, if the current loan is too high or the credit rating is insufficient for the loan, the loan may be suspended due to the withdrawal reason. Also, if it is not possible to repay the loan and interest, the loan itself may not be possible and result in an increase in the loan amount.

In an embodiment of the present invention, when a customer's card payment for a merchant occurs, the remaining amount excluding the commission and interest is excluded from the card payment amount based on the financial status of the merchant and the service application status, As soon as you deposit money into a bankbook, you can not borrow any more because you have a lot of loans or delinquencies. If you need it, you can instantly cash out the credit card, so you can provide an immediate deposit service that will prevent the financial deterioration of individuals or small businesses. . It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

As a technical means for achieving the above technical object, an embodiment of the present invention includes a step of intercepting and receiving a card settlement event when a card settlement event from a user terminal to a shopping mall terminal occurs, Calculating a service charge of the shopping mall terminal corresponding to the card settlement event when the approval event corresponding to the card settlement event is received from the card issuer server; A step of transmitting a billing event for a payment amount to a credit card company server before a preset period from a card sales deposit date of a shopping mall terminal, and a step of, when a billing deposit is confirmed for a billing event, The creditworthiness of the server and the shopping mall terminal is increased, Credit rating, service use fee, immediate deposit date, and billing deposit date.

According to any one of the above-mentioned objects of the present invention, it is possible to prevent the downfall of an individual or a small business owner who is in financial difficulty because cash is not distributed, It is possible to revive a corporation that has suffered financial difficulties, though it generates sales by cashing.

1 is a block diagram illustrating an instant deposit service providing system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an instant deposit service providing server shown in FIG. 1. FIG.
FIG. 3 is a diagram for explaining an embodiment in which the instant depositing service shown in FIG. 1 is implemented.
FIG. 4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the instant depositing service providing system of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating an instant deposit service providing method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating an instant deposit service providing system according to an embodiment of the present invention. 1, an instant deposit service providing system 1 according to an embodiment of the present invention includes a user terminal 100, an instant deposit service providing server 300, a credit card company server 400 and a shopping mall terminal 500, . ≪ / RTI > However, since the instant deposit service providing system 1 of FIG. 1 is only one embodiment of the present invention, the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. For example, as shown in FIG. 1, the user terminal 100 may be connected to the deposit service providing server 300 through the network 200. In addition, the instant deposit service providing server 300 can be connected to the card issuer server 400 and the shopping mall terminal 500 through the network 200. [

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as terminals and servers. An example of the network 200 is an Internet, a LAN (Local Area Network) ), Wireless LAN (Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), 3G, 4G, LTE, VoLTE, Wi-Fi, Bluetooth, NFC, RFID, But is not limited to. The user terminal 100, the instant depositing service providing server 300, the card issuing server 400 and the shopping mall terminal 500 shown in FIG. 1 are not limited to those shown in FIG.

The user terminal 100 may be a terminal of a user who tries to make a settlement using a card at an online shopping mall or an offline merchant. The user terminal 100 may be a terminal that requests a card-based settlement through an application, a web page, or an app page. At this time, the user terminal 100 may be a terminal to which the card information is input before requesting the card-based settlement. The user terminal 100 may be a terminal that requests a card settlement to the shopping mall terminal 500 mapped to an online shopping mall or an offline merchant and receives a card approval from the card issuer server 400. [ Here, the user terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. Also, the user terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The user terminal 100 is a wireless communication device that is guaranteed to be portable and mobility, for example, a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The instant deposit service providing server 300 may be configured such that when a card settlement is requested from the user terminal 100 to the shopping mall terminal 500 and the application is manually requested by the shopping mall terminal 500 or is automatically requested, The payment server 100 may receive an approval for the card settlement request for the card issuer server 400. [ Here, the depositing service providing server 300 receives or intercepts approval for the card settlement request, and can immediately transfer the amount of money other than the commission fee to the shopping mall terminal 500 even before the card settlement date. Here, the depositing service providing server 300 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like.

When there is an approval request to the card issuer server 400 for the shopping mall terminal 500 of the user terminal 100, the card issuer server 400 determines whether to approve the approval, and transmits it to the user terminal 100 and the shopping mall terminal 500 . At this time, if the approval is approved, the approval data can be intercepted or received at the deposit service providing server 300 immediately, and the credit card company server 400 can immediately send the deposit data to the deposit service providing server 300 ) To transfer the payment amount. The card issuer server 400 can immediately receive the card settlement data from the deposit service providing server 300 and can remit the settlement amount to the deposit service providing server 300 on the basis of the received card settlement data . At this time, the deposit service providing server 300 can be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like.

The shopping mall terminal 500 can immediately request the deposit service to the deposit service providing server 300. [ Here, when the card settlement request for the shopping mall terminal 500 of the user terminal 100 occurs, the shopping mall terminal 500 can immediately receive the deposit from the deposit service providing server 300 immediately. Here, the instant payment amount may be lower than the card payment amount, and the fee for the instant deposit service providing server 300 of the shopping mall terminal 500 may be changed according to the information of the shopping mall terminal 500. Here, the shopping mall terminal 500 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. In addition, the shopping mall terminal 500 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The shopping mall terminal 500 is a wireless communication device that is guaranteed to be portable and mobility, for example, a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

FIG. 2 is a block diagram for explaining an instant deposit service providing server shown in FIG. 1, and FIG. 3 is a diagram for explaining an embodiment in which the instant depositing service shown in FIG. 1 is implemented.

2, the deposit service providing server 300 includes a subscription inducing unit 310, a receiving unit 320, a calculating unit 330, a processing unit 340, a transmitting unit 350, and a generating unit 360 .

(Not shown) operating in conjunction with the instant depositing service providing server 300 or the instant depositing service providing server 300 according to an embodiment of the present invention can immediately deposit a deposit service application, a program, a web page, The user terminal 100 and the shopping mall terminal 500 can install or open an application, a program, a web page, and the like for the service when the user terminal 100 and the shopping mall terminal 500 transmit the service. In addition, the deposit service program can be immediately executed in the user terminal 100 and the shopping mall terminal 500 by using a script executed in the web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

At this time, the connection to the network 200 is performed by the user terminal 100, the instant depositing service providing server 300, the card issuing server 400 and the shopping mall terminal 500, To create a communication object. In addition, the depositing service providing server 300 can exchange data with each other through a communication object.

The method of providing an immediate deposit service according to an embodiment of the present invention is a method of providing an instant deposit service in which a card sales is generated so as to eliminate a problem of a money generated when a card sales date occurs but a card settlement date does not arrive, The remaining amount is immediately deposited and the credit card payment of the credit card company is processed by the deposit service providing server instead of the shopping mall terminal so that problems arising from the inability of the cash to flow in the online shopping mall and the offline merchant are prevented beforehand, To prevent the bankruptcy problem. The components of the instant payment service providing method having the above-described objects will be described in detail below.

The subscription inducing unit 310 may monitor a text input event and a search event of the shopping mall terminal 500. At this time, the subscription inducement unit 310 can transmit a subscription induction pop-up to the shopping mall terminal 500 when a loan search event and a rejection event for a loan occur in the shopping mall terminal 500. [ That is, instead of performing TM or marketing at random, assuming that the user enters or searches text for solving the flow of funds, such as loans, lack of funds, loans, methods of securing funds, drafts, etc., Since the advertisement effect and the rate of inducing the subscription may increase when the subscriber is guided to the subscription, the subscription inducement unit 310 may determine that the text of the shopping mall terminal 500 Input events and search events can be monitored. In this case, the monitored text includes not only the text to be input but also the text to be searched. The subscription inducing unit 310 maps the keyword for searching and the text to be searched, and extracts upper and lower words using an association reasoning algorithm can do.

The subscription inducement unit 310 may be configured to control the subscription field to automatically process the membership subscription field based on the database collected from the shopping mall terminal 500 when approval data for the subscription inducement popup exists in the shopping mall terminal 500 And transmits the signal to the shopping mall terminal 500. For example, when there is a history of inputting personal information such as name, address, telephone number, and the like in the shopping mall terminal 500, the subscription inducement unit 310 can extract and store personal information, The shopping mall terminal 500 can automatically input the information even if the user does not input all of the information manually. At this time, when the membership subscription field is automatically input in the shopping mall terminal 500 for protecting personal information, the subscription inducement unit 310 searches the database of the subscription inducement unit 310, the cache of the database, the cookie, As shown in FIG. In addition, the subscription inducement unit 310 can complete the subscription processing of the shopping mall terminal 500 when a membership subscription field is completed and a membership approval request is generated based on the transmitted control signal.

The receiving unit 320 can intercept the card settlement event and receive the card settlement event when the card settlement event from the user terminal 100 to the shopping mall terminal 500 occurs. At this time, even though the application for the deposit service is requested immediately at the shopping mall terminal 500, there is a possibility that the deposit service is not needed immediately because of the present circumstances. Therefore, the receiving unit 320 can intercept and receive only when there is an approval request input from the shopping mall terminal 500, automatically or only when the funding situation of the shopping mall terminal 500 is poor. That is, the receiving unit 320 receives the balance data mapped to at least one account collected from the shopping mall terminal 500 and the charge data corresponding to the requested data in the shopping mall terminal 500 It is possible to confirm whether or not the service availability parameter calculated from the settlement date of the mapped creditworthiness, debt money and charge data is exceeded. Then, the receiving unit 320 can intercept the card settlement event when the difference between the balance data and the charge data exceeds the service availability parameter. For example, the shopping mall terminal 500 is a terminal of an employer who produces and sells denim lines. The balance of all accounts mapped to the shopping mall terminal 500 is 10 million Yuan, and the amount of the denominations and the bill to be paid to the factory Is 20 million won, and the due date is 3 days, and there is no deposit within 3 days. In this case, the receiving unit 320 can grasp the history and data of the shopping mall terminal 500 and automatically deduce and grasp the money situation of the shopping mall terminal 500. If it is determined that the money is not good, 500) is generated, it is possible to intercept and receive the card so that it can be immediately deposited.

Here, the service availability parameter increases as the credit rating decreases, and as the liability increases, and as the difference between the settlement date of the charge data and the current date decreases, the service availability parameter may increase. In other words, the service availability parameter increases as the credit rating becomes lower as the loan needs to be increased, and as the debt is higher, the loan becomes more difficult as the loan becomes more difficult. For example, assuming that the balance data is 10 million Yuan and the charge data corresponding to the requested data is 20 million Yuan, the difference is 10 million Yuan. Assuming that the credit rating is 9th grade, the debt is 10 million won, and the settlement date is 2 days, it is determined whether the service availability parameter calculated as 10 million won + 9xa + 2xb exceeds 10 million won. It is possible to know whether or not a loan is necessary. Here, a and b may be constants or parameters, and the service availability parameters can be calculated using various variables, parameters, and weights without being limited to the above-described calculation formula.

When the approval event corresponding to the received card settlement event is received from the card issuer server 400, the calculation unit 330 can calculate the settlement price corresponding to the card settlement event and the service use fee of the shopping mall terminal 500 . Here, the calculation unit 330 can take into account various parameters when calculating the service use fee. That is, the service usage fee is calculated on the basis of the required parameters based on the difference between the deposit processing time and the current time immediately upon the request from the shopping mall terminal 500, and is calculated as an additional parameter based on the creditworthiness of the shopping mall terminal 500, Can be recalculated on the basis of.

The processing unit 340 can immediately deposit the deposited amount into the account number associated with the shopping mall terminal 500 immediately after the calculated service use fee is excluded from the payment amount.

The transferring unit 350 may transmit a charge event for the payment amount to the card issuing server 400 before a preset period from the card sales depositing date of the shopping mall terminal 500. [

The generation unit 360 increases the creditworthiness of the card issuer server 400 and the shopping mall terminal 500 when confirming the billing deposit for the billing event and sets the database for the credit rating, service use fee, immediate deposit date, and bill deposit date Can be generated.

An embodiment of the deposit service immediately executed in the deposit service providing server 300 having the above-described structure will be described with reference to FIG. 3 below.

3, when the charge data and the balance data of the shopping mall terminal 500 satisfy the service use condition, the deposit service providing server 300 immediately transmits a subscription inducement message to the shopping mall terminal 500 And the shopping mall terminal 500 can perform membership addition. At this time, (b) when ordering and payment are made from the user terminal 100 to the shopping mall terminal 500, the shopping mall terminal 500 can issue an approval request to the card issuer server 500, Can be intercepted at the deposit service providing server 300 immediately. (c) At this time, the deposit service providing server 300 can calculate the service use fee based on at least one parameter and data of the shopping mall terminal 500. Then, (d) the depositing service providing server 300 can immediately transfer the deposit amount, which is the remaining amount excluding the service usage fee, to the account linked to the shopping mall terminal 500. (E) The instant depositing service providing server 300 can transmit the charging event to the card issuing server 300. The card issuing server immediately transfers the charging event to the depositing service providing server 300 (not the shopping mall terminal 500) You can deposit money.

2 and FIG. 3 can be easily deduced from the same or explanations as those described in connection with the method of providing the deposit service through FIG. 1, Omit it.

FIG. 4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the instant depositing service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of the driving process of each of the configurations will be described with reference to FIG. 4. However, the present invention is not limited to such an embodiment, and the process of transmitting and receiving data shown in FIG. 4 according to the above- It will be apparent to those skilled in the art that changes may be made.

Referring to FIG. 4, the deposit service providing server 300 can monitor the shopping mall terminal 500 (S5100). Then, when the shopping mall terminal 500 immediately transmits an event to the deposit service providing server 300 and the payment service providing server 300 searches the loan as a result of the event check or the loan is denied (S5300 ), And transmits the membership induction pop-up to the shopping mall terminal 500 (S5400).

When the approval data for approving the subscription is generated (S5500), the deposit service providing server 300 immediately transmits the member data to the shopping mall terminal 500 (S5600) (S5700).

When the user terminal 100 transmits a settlement event to the shopping mall terminal 500 at step S5800, the depositing service providing server 300 can immediately intercept the event from the shopping mall terminal 500 or the card issuing server 400 (S5810). When the shopping mall terminal 500 or the card issuer server 400 transmits an approval event to the user terminal 100 (S5830), the deposit service providing server 300 calculates the payment amount and the service use fee (S5850).

The instant deposit service providing server 300 immediately deposits the card payment amount to the shopping mall terminal 500 in step S5870 and transmits a charge event for card payment to the credit card company server 400 in step S5890 The credit card server 400 and the shopping mall terminal 500 are increased in credit and the database is updated in step S5910.

The order between the above-described steps S5100 to S5910 is merely an example, but is not limited thereto. That is, the order between the above-described steps S5100 to S5910 may be mutually varied, and some of the steps may be executed or deleted at the same time.

4 can be easily deduced from the same or explanations as those described in connection with the method of instantly providing a deposit service through FIGS. 1 to 3, Omit it.

5 is a flowchart illustrating an instant deposit service providing method according to an embodiment of the present invention. Referring to FIG. 5, when the card settlement event occurs from the user terminal to the shopping mall terminal, the instant deposit service providing server intercepts the card settlement event and receives the card settlement event (S6100).

Then, when the approval event corresponding to the received card settlement event is received from the card issuer server, the deposit service providing server immediately calculates the settlement price corresponding to the card settlement event and the service use fee of the shopping mall terminal (S6200).

In addition, the instant deposit service providing server immediately deposits the deposit amount to the account number associated with the shopping mall terminal immediately after the calculated service use fee is excluded from the payment amount (S6300).

Then, the deposit service providing server immediately transmits a charge event for the payment amount to the card company server before the preset period of time from the card sales deposit date of the shopping mall terminal (S6400).

Finally, when the payment deposit confirmation for the charge event is made, the deposit payment service providing server increases the creditworthiness of the credit card company server and the shopping mall terminal and creates a database for the credit rating, the service use fee, the immediate deposit date and the bill deposit date ( S6500).

The instant depositing service providing method according to the embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium including an application executed by a computer or a command executable by a computer such as a program module. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

The instant depositing service providing method according to an embodiment of the present invention may be executed by an application installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) (I.e., a program) directly installed on a master terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the instant payment service providing method according to an embodiment of the present invention may be implemented in an application installed in a terminal or directly installed by a user (i.e., a program) Can be recorded on the medium.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (5)

CLAIMS What is claimed is: 1. A method for providing an instant deposit service executed in a deposit service providing server,
Intercepting and receiving the card settlement event when a card settlement event occurs from the user terminal to the shopping mall terminal;
Calculating a payment amount corresponding to the card settlement event and a service use fee of the shopping mall terminal when an approval event corresponding to the received card settlement event is received from the card issuer server;
Immediately depositing the deposit amount immediately after the calculated service use fee is excluded from the payment amount to the account number associated with the shopping mall terminal;
Transmitting a billing event for the payment amount to the credit card company server by a preset period from a card sales deposit date of the shopping mall terminal;
A step of increasing the creditworthiness of the card issuer server and the shopping mall terminal and generating a database for the credit rating, the service use fee, the immediate deposit date, and the bill deposit date when the bill deposit confirmation for the charge event is made
Lt; / RTI >
The step of intercepting and receiving the card settlement event when the card settlement event occurs from the user terminal to the shopping mall terminal includes receiving balance balance data mapped with at least one account collected from the shopping mall terminal, Checking whether the difference between the charged data and the corresponding charge data exceeds the service availability parameter calculated from the settlement date of credit, debt, and charge data mapped to the shopping mall terminal; And intercepting the card settlement event if the difference between charge data exceeds a service availability parameter,
Wherein the service availability parameter increases as the credit rating decreases and as the liability increases, and as the difference between the settlement date of the charge data and the current date decreases, the service availability parameter increases.
delete delete The method according to claim 1,
Wherein the step of calculating the payment amount corresponding to the card settlement event and the service use fee of the shopping mall terminal when the approval event corresponding to the received card settlement event is received from the card company server,
The service usage fee is calculated based on essential parameters based on the difference between the deposit processing time and the current time immediately requested by the shopping mall terminal, and re-calculated based on the additional parameters based on the creditworthiness, the debt and the usage history of the shopping mall terminal The method of providing an instant deposit service.
The method according to claim 1,
Wherein when a card settlement event occurs from the user terminal to the shopping mall terminal, before intercepting and receiving the card settlement event,
Monitoring a text input event and a search event of the shopping mall terminal;
Transmitting a membership induction pop-up to the shopping mall terminal when a loan search event and a rejection event for the loan occur in the shopping mall terminal;
Transmitting a control signal to the shopping mall terminal to automatically input a membership subscription field based on a database collected from the shopping mall terminal when approval data for a membership inducement pop-up exists in the shopping mall terminal;
Completing a member registration process of the shopping mall terminal when a membership registration field is completed and a membership approval request is generated based on the transmitted control signal;
Further comprising the steps of:

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