KR101704346B1 - System for communication product customer promotion using interest - Google Patents

Abstract

The present invention provides a system for communication product promotion for long-term admission of a customer using interest. The present invention comprises: a financial information receiving unit for receiving the financial account information and interest rate information of a customer; a first processing unit for calculating an amount of added money based on interest rate; and a second processing unit for inputting the added money to the financial account of the customer.

Description

SYSTEM FOR COMMUNICATION PRODUCT CUSTOMER PROMOTION USING INTEREST BACKGROUND OF THE INVENTION [0001]

The present invention relates to a system for promoting a communication product, and more particularly, to a system capable of inducing subscription for a long term while obtaining a rate increase effect by linking a communication discount amount with a financial product such as a savings or a fund.

Recently, telecom companies are trying to attract their customers by selling various communication products as a combined product. Accordingly, various types of combined products are being launched for each communication company, and each combined product provides various benefits to the customers according to the conditions of the subscription.

However, most of the benefits offered to customers are not differentiated by carriers, such as cash payments or discounts on telecom rates, and there is a lack of preferential services that are differentiated and attract customers' attention.

Accordingly, the present applicant has filed a Korean application of Korean Patent Laid-Open No. 10-2013-0006574 for a method of processing a combined-use-amount-of-money handling method in which a communication discount amount is supported in a interest-rate format. The combined-use-amount-of-money processing method disclosed in the above patent document is a method for processing a combined-product subscription application including customer information, combined product information, contract term information, and financial product information of a customer joining a combined product from a customer terminal or a dealer terminal via a network A step of granting to the customer a right to open a financial instrument account linked to an account of a joining product subscription customer name, expiring a contract term of a combined commodity to which a customer subscribes, in association with a financial company server; The method comprising the steps of: storing financial account information of a customer opened in accordance with the granting of the opening authorization; confirming the amount of the combined product to be paid by the customer in accordance with the use of the combined product of the customer; And an additional interest rate that can be provided when depositing the above-mentioned financial discount account A step of processing to deposit, in an account of the combined-commodity-joining-customer name, an amount corresponding to the computed communication discount amount among the combined commodity-use amount paid by the customer at the time of payment of the combined commodity usage amount by the customer And confirming whether the money corresponding to the deposited communication discount amount is transferred to the financial product account from the account of the customer name, and if the transfer is confirmed, extracting the calculated additional interest amount from the combined goods providing organization account or the dealer account And to deposit the money in the financial product account opened to the joining product subscribing customer.

However, the limit of the above-mentioned amount of money processing method is that the new installment account should be established at the same time as the communication commodity is added.

It is a financial instrument that must be paid in a fixed amount over a long period of time and must be carefully considered in consideration of monthly income. Therefore, it can be difficult for new customers to obtain interest rate effect by joining together savings at the time of promoting communication products. Therefore, it should be improved so as to obtain interest rate benefits in conjunction with the financial products of the existing customers.

In addition, another limitation of the above-mentioned amount processing method is that the problem of returning when the customer is canceled becomes complicated. The above-mentioned amount of money processing method is a method of processing an unpaid usage fee up to a specific date, in such a manner that the additional interest amount deposited in the virtual account is returned to the combined goods provider account or the agency account. This is not to charge the additional amount up to the specific date due or to calculate the interest rate up to the specified date, but to calculate the month end and carry out the procedure for returning later.

An example of this is as follows.

Usage charges from October 1, 2015 through October 31, 2015 will be calculated by the mainframe processing the communication charges and displayed on the terminals of each branch or agency, but from November 1, 2015 to November 10, 2015 The usage fee by day is not calculated by the billing process.

The mainframe issuing bill for various usage charges or charges regularly calculates the charge to be charged to all users or customers for a certain period or payment to be paid.

The mainframe handles a series of ranked tasks by the batch process according to their rankings. As shown in the example above, the usage fee from November 1, 2015 to November 10, 2015, Are placed in the rearrangement in the frame.

As a result, it is difficult to calculate the unreceived usage charges immediately on the day of termination. As a result, in the above-mentioned amount processing method, the usage fee up to the present day is conventionally reduced to a certain percentage of the deposit received at the time of subscription to the mobile communication, and the rest is returned to the user who has canceled the mobile communication subscription.

Thereafter, the user is refunded or charged to the user with an overdue deposit or usage fee through a billing operation performed every predetermined period. Accordingly, the billing company may additionally generate a bill for use due to an inaccurate calculation of the usage fee up to the current day of the current month. Also, A situation is required. Such a problem is particularly complicated in the above-mentioned money handling method in connection with financial products.

In order to solve the above problem, it is necessary to calculate the cost up to the specific date when the customer is canceled. Particularly, in this case, there arises a problem that both the settlement of communication charges and the settlement of financial products must be considered. In addition, it is possible to terminate the telecommunication products while maintaining the financial products, and only the financial products can be canceled while maintaining the telecommunication products. Therefore, it is necessary to calculate the expenses up to the specified date in consideration of termination of the financial products, Interest should be considered.

Finally, in the case of payment of interest in connection with financial instruments including existing savings, if the maturity of the financial instruments including the existing savings or the contract period and the maturity of the contract period at the time of the communication product are different, The method of providing interest at the end of the contract is provided every month.

Korean Patent Publication No. 10-2013-0006574

The present invention intends to provide a system capable of promoting long-term participation in telecommunication products by providing benefits in interest form in connection with financial products.

In addition, the present invention provides a system in which a customer does not need a subsequent reimbursement procedure by calculating an unpaid usage fee until the termination of the termination of the customer's financial product or communication product and correcting the additional interest rate of the financial product associated with the communication product I want to.

The present invention also provides a system for a long-term subscription promotion of a communication product using interest that can be applied even when the method of providing monthly interest is a problem, such as when an existing financial product or a communication product is first terminated .

A system for long-term affiliate promotion of a customer's communication product using interest according to an aspect of the present invention is a system for providing a long-term affiliate promotion service for a communication product by using a customer's terminal, A communication information receiving unit for receiving at least one of communication product information, financial product information, additional interest amount information, and payable amount information to the customer terminal or dealer terminal; A financial information receiving unit connected to the financial service server through a network to receive financial account information and interest information of a customer corresponding to the financial product information; A first processor for calculating a communication discount amount corresponding to a usage amount of the communication product to be paid by the customer and calculating an additional interest amount that can be provided when the calculated communication discount amount is deposited in the customer's financial account; A second processing unit for confirming whether the customer's communication product use amount and the financial product transfer amount are paid or not and depositing the additional interest amount in the financial account of the customer; A third processing unit for confirming the completion of the billing work for the previous month's usage charge by confirming the termination of the communication product of the customer before the contracted period and calculating the unused usage fee until the specified due date; A fourth processing unit for calculating an additional interest amount up to a specific date based on the unused usage fee calculated in the third processing unit; And when the contract termination time of the financial product is earlier than the contract termination date of the contract term, the additional interest rate corresponding to the termination of the contract from the contract termination end of the financial instrument is added to the contract termination date And a fifth processing unit for collectively supplying the financial account of the customer to the financial account of the customer in advance, and is operable with an application program installed in the customer terminal or the agency terminal.

Preferably, when the billing operation for the previous month's usage charge is completed, the third processing unit preferably checks whether or not the previous month's usage fee is stored, extracts the previous month's usage fee, adds the current usage fee until the termination date with the previous month's usage charge, Can be calculated.

Preferably, the fourth processor confirms the termination of the financial product of the customer before the contract term, calculates an additional interest rate until the termination date, deposits the additional interest amount in the financial account of the customer, The remaining amount can be deducted from the commodity use amount.

Preferably, the fifth processing unit compares the contract termination time of the financial instrument with the contract term, and when the contract termination time of the financial instrument is before the contract termination term of the contract term, The new financial product registration guide information with the expiration date of the contract termination can be transmitted to the customer terminal or the agency terminal before the end of the contract of the financial product.

According to the present invention, a communication discount amount provided to a customer who subscribes to a communication product is accumulated as a high-rate financial product, thereby providing a different discount discount to an affiliate customer. This is different from promotions of other carriers that offer single benefits such as point accumulation, discounts on communication fees, and cash payments.

For that reason, the interest rate can be significantly increased since it is linked with financial products, and the interest rate advantage can be increased during the contract period, which can effectively induce customers to long-term participation. In particular, it will be possible to promote financial products and telecommunication products at the same time in cooperation with the financial industry, and it will be a chance to solve the household debt problem.

In addition, points, cash payments, and discounts received from existing communication products are limited in that they can not be paid beyond the communication discount amount. On the other hand, since the present invention can be linked to various financial products that customers have already purchased, when the interest is linked with the financial products to which the compound interest is applied, the customer has an advantage over the communication discount amount.

In addition, according to the present invention, it is possible to immediately charge the billing and cost settlement by calculating the unpaid charges up to the specified date and the adjusted additional interest rate considering both the termination of the financial product and the termination of the communication commodity. The hassle of requesting or notifying again can be resolved and there is no need to go through a fee adjustment procedure such as additional payment or refund of overcharge.

Further, according to the present invention, it is possible to realize a method of providing interest that can be applied even when a method of providing monthly interest is problematic, such as when an existing financial product or a communication product is first terminated.

1 is a system configuration diagram for a long-term subscription promotion of a communication product by a customer using interest according to an embodiment of the present invention.
2 is a diagram illustrating an example of an application program installed in a terminal capable of interfacing with a system for long-term subscription promotion of a customer's communication product using interest according to an embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

The specific structure or functional description presented in the embodiment of the present invention is merely illustrative for the purpose of illustrating an embodiment according to the concept of the present invention, and embodiments according to the concept of the present invention can be implemented in various forms.

Also, terms such as " first "and" second "are used in the present invention and the appended claims for the purpose of explanation and are not intended to represent or imply relative importance or purpose.

The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

FIG. 1 shows a system configuration diagram for a long-term subscription promotion of a communication product by a customer using interest according to an embodiment of the present invention. 1, a communication product promotion system includes a communication information receiving unit 110, a financial information receiving unit 120, a first processing unit 150, a second processing unit 160, a third processing unit 170, a fourth processing unit 180, and a fifth processing unit 190.

FIG. 1 is a block diagram of a communication discount system according to an embodiment of the present invention. FIG. 1 is a block diagram of a communication discount system according to an embodiment of the present invention. 1 is a block diagram illustrating a communication product promotion system in which a financial product account of a customer's name is used as a parent account. As shown in FIG. 1, It will be appreciated that various implementations of the system configuration to provide preferential service for the amount of money (e.g., some configuration means may be omitted, or fragmented, or combined) may be inferred, And the technical features thereof are not limited only by the method shown in FIG.

For example, a financial product account may be established in the name of a communication commodity subscription customer in conjunction with the commodity commodity in cooperation with the financial company server 102. In this case, the communication discount commodity account can be established using a customer virtual account The system for providing preferential service for the discounted amount can be configured and the means of each configuration is shown in the server in the form of a component of the server 100. However, the means is not limited to the server component, The means may be implemented in the form of a separate server or the combination of two or more means may be implemented in the form of a server or some means may be implemented in the form of a server and the remaining means may be implemented in the form of a component of the server It should be apparent that the invention is not limited by the implementation of the means.

In addition, according to the present invention, the server 100 may be provided in a communication discount amount operating agency that operates a communication discount amount of a communication product subscription customer according to the present invention, and the communication discount amount operating agency may be a communication goods providing agency, Or it may be linked to a communication product provider or a communication company.

1, which illustrates an embodiment of the present invention, a communication subscription promotion system includes a terminal 105 having at least one wired terminal or a wireless terminal used by a communication product subscription customer, A communication channel is connected to the server 100 provided on the system.

According to one embodiment of the present invention, a customer accesses a server 100 through a terminal 105 of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, (Or selects) the communication product subscription information including the customer information, the communication product information, the contract period information, and the financial product information for the communication product subscription application through at least one user interface provided by the terminal 105, To the server 100 provided on the system through the network means.

Here, the wired terminal connected to the wired communication network is a collective term of all terminal devices connected to the TCP / IP based communication network, and may be a desktop computer and / or a notebook connected to a TCP / IP based communication network or a household terminal , A refrigerator, a set-top box), or a kiosk connected to a TCP / IP-based communication network.

1 according to another embodiment of the present invention, a communication product promotion system may include an agency terminal provided in at least one agency that sells a communication product, And a communication channel is connected to the server 100 provided on the network.

For example, the customer visits the agent for subscription to a communication product provided with a preferential service for the communication discount amount according to the present embodiment, and receives a predetermined subscription form (for example, a combination It is possible to create a document containing a form for filling at least one information item for subscription of the product), or to send the subscription application form to the agency by mail or through an agent of the agency visited at the company or home.

Thereafter, the created joining application is inputted through the agent terminal and can be transmitted to the server 100 through the network means.

The financial company server 102 may open a financial product account of the name of the communication commodity subscriber who expires the contract period of the communication commodity of the customer in cooperation with the server 100. The financial company server 102 may interwork with the server 100 The financial product of the name of the communication commodity subscriber who expires the contract term of the communication commodity of the customer at the end of the customer's existing financial commodity contract can also open an account. This is in contrast to when the end of the contract, including expiration of the customer's existing financial instrument, and the end of the contract, including the expiration of the telecommunications product.

Also, the financial company server 102 may transmit the financial product information of the pre-registered customer name to the server 100.

The financial product information may include a name and a characteristic of a financial product for which a preferential service (additional interest rate) is provided for a communication discount amount due to a customer's entry into a communication product. In addition, financial product information refers to financial products in which interest rates are generated, such as isolation products and compound products, and it is particularly preferable that products that reflect high interest rates on a long-term periodic transfer such as savings.

Users who are engaged in work life and have periodic incomes are generally subscribed to one or more financial products.

The financial company server 102 can receive the customer name entered in the communication product registration application and transmit information such as an account of the customer's name to the server 100. [

Hereinafter, a configuration of a server 100 in which a system for providing a communication product promotion in cooperation with the terminal 105 and the financial company server 102 described above is constructed will be described in detail.

The communication information receiving unit 110 can receive the subscription information of the communication commodity including customer information, financial product information, and contract period information from the customer terminal or the dealer terminal 105 via the network.

The customer information may include personal information of the customer (e.g., name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and member information of the customer.

The communication product information may be a communication product to which a customer wants to subscribe, a product name, a financial product capable of being linked, a product characteristic, and the like.

The contract term information may include the contract term for the communication product that the customer intends to subscribe to. In the contract term, the communication discount amount and the additional interest amount provided as a subscription of the communication product of the customer are automatically transferred and the interest benefit is granted May be set as the maturity period of the financial instrument.

The communication product promotion system according to the present embodiment is associated with a financial institution in addition to a customer or an agency. The communication information receiving unit 110 can be understood as a configuration for receiving information of a customer or agency for linkage with a financial institution. In this case, the communication information receiving unit 110 may include interface means. The interface means connects a predetermined communication channel with the terminal 105 based on the protocol stack and performs a communication interface for transmitting and receiving at least one information using a communication protocol defined between the terminal 105 and the server 100 .

The financial information receiver 120 may be connected to the financial service server 105 via the network to receive financial account information and interest information of the customer corresponding to the financial product information.

The communication product according to the present embodiment can open a financial product at the same time as the communication product is added. However, it is difficult for the establishment of a financial product to be performed improvisingly without consultation of a specialist. It is preferable that the customer receives and correlates the pre-registered financial product information.

Even if the customer is linked to the financial instrument that the customer has already subscribed to, there may be a case where the end of the contract including the expiration of the financial instruments that have already been purchased and the contract ending point including the expiration of the communication product subscription contract period may be different. In this case, when the termination of the contract is terminated, the existing benefits will be provided to the customer as a discount on the communication amount during the remaining contract period of the commodity, or to receive the interest for the remaining contract period in advance, At the end of a product contract, you can choose to maintain the benefit according to an extended contract that contracts a new financial product.

Accordingly, the financial information receiving unit 120 transmits the customer information received by the communication information receiving unit 110 to the financial company server 105. Then, the financial information receiving unit 120 receives information on the financial products to which the customer subscribes from the financial company server 105. [ Information about the financial product may be information about the customer's financial account, the interest rate of the current financial product, and the like.

Thereafter, the communication commodity subscription unit 130 subscribes to the communication commodity applied by the customer using the communication commodity subscription information and the financial commodity information. Thereafter, when the customer already has a financial product and is associated with the communication product, the operation of the first processing unit 150, which will be described later, is performed.

If the customer does not have a subscribed financial instrument, the subscribing process of the financial instrument may be performed at the same time as the subscription of the communication product. To this end, the server 100 may further include a financial product subscription unit 135 and a virtual account opening unit 140.

The financial product subscription unit 135 establishes a financial product account of the subscriber name expiring the contract term of the communication commodity by interlocking with the financial company server 102.

The virtual account opening means 140 establishes a virtual account of the communication commodity subscribing customer who operates the account of the telecommunication discount amount operating agency (or agency) as a parent account in cooperation with the financial company server 102. [

A financial account of a virtual account or an interlocked customer name is an account to which an amount corresponding to an interest rate provided separately from an interest rate provided by a financial institution for a communication discount amount due to a customer's communication product subscription is deposited. It is accumulated in correspondence with the communication discount amount due to the customer's participation in the communication product until the expiration date of the communication commodity and can be deposited to the customer's financial account at the time of expiration and can be provided to the customer.

The first processing unit 150 may calculate the communication discount amount corresponding to the usage amount of the communication commodity to be paid by the customer and calculate the additional interest amount that can be provided when the calculated communication discount amount is deposited in the customer's financial account.

The customer receives "principal + basic interest rate" due to the outstanding financial instruments. If it is linked with the communication product according to the present embodiment, it can be understood that the customer receives the "principal + basic interest rate + additional interest rate" in which the communication discount amount is added as the additional interest rate.

For example, customer A subscribes to company K with a wired service (40,500 Won per month with additional VAT and TV subscription, 3 years contract) and wireless service (monthly 59,900 Won additional tax separately, smartphone) Won, compound interest 2.5%, 3 year commitment).

A customer pays monthly communication fee (10,500 Won additional tax) to company K and monthly installment payment (100,000 won) to I financial company. In this case, the first processing unit 150 calculates a discountable communication discount amount based on the sum (100,400 won) of the payment rates of the communication products to which the customer subscribes. Based on the maturity cost and the interest rate information of the financial product, The interest rate to be added is calculated. In this embodiment, the additional interest rate to be provided by the K company estimated by the first processing unit 150 may be 5%.

The second processing unit 160 may check whether the customer's communication commodity use amount and the financial instrument repayment amount are paid, and deposit the additional interest amount in the financial account of the customer. The second processing unit 160 may deposit the additional interest amount at maturity or deposit the money at the time of termination of the customer's financial product or communication product.

If the customer A completes the expiration of the payment (contract term of the communication product) in the above example, the second processing section 160 transfers an additional interest amount of 246,593 won (tax deduction) corresponding to 5% They may be transferred to the customer financial account.

As a result, the customer A will receive a 7.5% interest rate benefit by connecting the savings product purchased at the initial 2.5% interest rate to the communication product according to the present embodiment at the I financial institution.

According to this embodiment, the telecommunication product provider or agent is responsible for the burden on the additional interest rate. However, the financial institution providing the financial product must first bear the additional interest rate amount, and at the expiration date, Or between agents.

As described above, the first and second processing units 150 and 160 provide the customer with the additional benefit of the communication product subscription in the form of an additional interest rate hike so that the customer can be strongly motivated to maintain the long-term subscription of financial products and communication products have. This is different from the one-off benefit offering that adds the revenue generated by the customer's service subscription to the customer's card information as cash or points.

The above promotions, which already have benefits, are easy to cancel from the customer's point of view, but the benefits to be gained at the time of maturity are easy to induce customers psychologically since they are superior to those of the existing financial products. In particular, it can prevent the collapse of financial products linked to the subscription of telecommunication products, which can be a cornerstone for solving households' receivables and household debts.

The third processing unit 170 can confirm the completion of the billing work for the previous month's usage charge by confirming the termination of the communication product of the customer before the contracted period and calculate the unpaid usage fee up to the specific day that has been terminated. When the billing operation for the previous month's usage charge is completed, the third processor 170 extracts the previous month's usage fee by confirming whether or not the previous month's usage fee is stored, and adds the usage rate for the current month until the termination date to the previous month's usage fee Can be calculated.

The third processing unit 170 may include a plurality of databases or may be associated with a plurality of databases in the server 100 although they are not shown in the figure. The plurality of databases means a storage device in which information necessary for a customer management task, a batch job, a billing job, a storage job, and a billing job is stored. In general, a relational database can be used.

The reason for performing the charge settlement based on such a plurality of databases can be considered as the data consistency. In this case, a faster processing speed than the file-based system can not be expected. However, it is possible to avoid the case where the file information does not coincide with the on-line information more than the system, and the field addition and attribute change are easier than the file-based system.

The third processing unit 170 calculates the unpaid usage fee using the plurality of databases described above. The third processor 170 checks the billing account database of the customer and confirms whether the billing work for the previous month's usage charge is completed.

If the billing operation for the previous month's usage charge is completed, the third processor 170 shortens the time required for the rebuilding operation by using the value stored in the billing details database without rebubbing the previous month's usage fee.

In the case where the current date of the current month is within the billing period, it is determined that the work has not been completed without the confirmation process. If the current day is within the billing period, It is determined whether or not the billing operation for the user is completed. If the current day of the current month is after the billing creation period, it is determined that the billing operation is completed.

At this time, the third processor 170 can determine whether the billing work has been completed for the previous month's usage charge by using the billing serial number stored in the billing-related database. The serial number of the bill is stored at the time of issuance of the first bill, and then increases by a certain value each time the bill is issued. The third processor 170 can use the third processor 170 to determine how many times the invoice has been sent to the user.

Accordingly, the third processing unit 170 extracts the number of times the bill is issued by using the first time of the customer and the date of cancellation, and then compares the bill number with the bill serial number to determine whether the billing operation for the customer's previous month's usage charge is completed.

If the billing work for the previous month's usage fee has been completed, it can be determined whether the previous month's usage fee has been stored using the storage history database.

The storage history database is associated with the second processing unit 160 and stores whether or not the customer's communication product use amount is paid. If the customer terminates the bill after issuing the bill for the month, the customer may have received the bill for the previous month, so that the third processing unit 170 confirms whether the user has stored the bill to prevent duplicate billing.

The third processor 170 checks the total charge amount using the charge details database when the charge for the current month for the previous month charge is not stored. The third processing unit 170 finally calculates the unused usage fee by adding up the usage fee and the confirmed monthly billing amount from the first day of the current month to the current day as the cancellation date.

At this time, the third processor 170 calculates the usage fee from the first month of the last month to the end of the last month, if the bill has not yet been generated as a result of confirming whether or not the bill is made.

The third processing unit 170 can accurately calculate the unpaid usage fee for the charge up to the specified date that the customer has canceled. The third processing unit 170 recognizes only the termination of the communication commodity and calculates the unrecommended rate related to the communication commodity of the commodity. In this case, since the communication product is linked with the financial product, the present embodiment should be able to consider the termination of the financial product.

The fourth processing unit 180 can calculate the additional interest amount up to the specified date that has been canceled based on the unpaid usage fee calculated in the third processing unit 170. [ In this case, the fourth processing unit 180 can receive notification of termination of the communication commodity from the third processing unit 170.

This is because the communication product promotion system according to the present embodiment may terminate only the financial product while maintaining the communication product, and may terminate both the communication product and the financial product.

When the communication commodity is canceled from the third processing unit 170, the fourth processing unit 180 calculates and deposits only the additional interest amount up to the specified due date based on the unpaid charges. In this case, the fourth processing unit 180 can be processed in association with the first processing unit 150.

The fourth processing unit 180 changes the communication commodity usage amount, which is an input variable of the first processing unit 150, to the amount of the non-receipt usage fee calculated by the third processing unit 160, and transmits the additional interest amount Can be reassessed.

Accordingly, the additional interest amount up to the termination date of the telecommunications commodity will be added at the maturity of the financial instrument, so that overdelivery of the interest until the end of the month after the termination will be prevented and no separate refund procedure or cost correction procedure will be required.

In addition, in this embodiment, the fourth processor 180 confirms the termination of the financial product of the customer before the term of the contract, calculates the additional interest amount up to the specified term that has been terminated, deposits the additional interest amount into the financial account of the customer, The remaining amount of the interest rate can be deducted from the commodity use amount.

This is the case where the customer terminates only the financial product without terminating the communication product. The fourth processing unit 180 calculates only the additional interest amount up to the specified date when the termination of the financial product of the customer is confirmed before the contract term even if there is no cancel signal of the third processing unit 170. [

Since the additional interest amount up to the termination date can be obtained irrespective of the update of the communication amount, it can be easily calculated by using the value obtained by dividing the additional interest amount by the commitment period in the result of the first processing unit 150. [

Even in the event of the cancellation of the financial products linked to such work, the customer can benefit from the additional interest rate that is initially guaranteed by the contracted communication product.

After the termination of a financial instrument, it may be advisable to convert or subscribe to other financial instruments, but there may be cases where the customer does not want to. In this case, since the communication discount amount can not be given as the interest rate benefit, the fourth processing unit 180 subtracts the remaining amount paid from the additional interest amount calculated in the first processing unit 150 to the present, do.

Thus, according to the embodiment of the present invention, when the customer is suspended, no separate return procedure is required.

As described above, the first, second, third, and fourth processing units 150, 160, 170, and 180 are organically linked so that when the customer withdraws the communication product before the contract term 1) ) Whether the customer terminates the financial product only, or 3) Whether the customer terminates both the communication product and the financial product, it is possible to calculate the guarantee of the additional interest rate respectively.

The fifth processing unit 190 can handle a problem in the case where the registered financial product first terminates the contract when the termination time of the contracted period is different from the new contract of the customer's existing financial product and communication product have.

For example, a participating financial instrument may be terminated on May 1, 2017 due to expiration or termination, and the end of the contract term for the new communication product is May 1, 2018.

The existing benefits may be given to the customer to choose whether to: i) receive the interest for the remaining commitment period in advance, or ii) maintain the benefit according to the extension contract to contract the new financial instrument at the end of the existing contract have.

I) If the interest is paid in advance for the remaining contract term, the fifth processor 190, in conjunction with the first to fourth processors 150 to 180, The interest rate portion calculated at the time of termination of the contract may be collectively given to the financial account of the pre-registered customer before the termination of the financial instrument contract.

In the example above, the additional interest rates from May 1, 2017 to May 1, 2018 are calculated and summed up and assigned to the initial customer bank account before May 1, 2017. However, since interest is paid collectively before the end of the contract period, customers can be penalized if the communication product is terminated before the end of the contract period.

Ii) If the beneficiary maintains an extension contract to contract a new financial instrument at the termination of the existing financial instrument contract, the fifth processor 190, in conjunction with the above-described configurations, It is possible to open a new financial product with a time limit.

To illustrate the example above, you could ask a customer to open a financial product that expires May 1, 2018, before May 1, 2017.

In addition, there are a number of ways in which benefits can be granted to customers. For example, there may be a plan to extend or extend an additional interest rate on a financial instrument by concluding an extension agreement before the contract expires. At this time, the fifth processing unit 190 issues a new financial product registration guide (hereinafter referred to as "new financial product registration guide") expiring at the end of the contract termination (May 1, 2018) Information may be transmitted to the customer terminal or the agency terminal before the end of the contract term of the financial instrument (May 1, 2017).

Through this, the customer may open a new financial instrument with maturity at the contract termination date (May 1, 2018). Of course, it can also be established through an app installed in the customer terminal or the agency terminal.

FIG. 2 illustrates an example of an application installed in a terminal that can be interfaced with a system for a long-term affiliate promotion promotion of a communication product using interest according to an exemplary embodiment of the present invention.

The above-described configuration, procedure, method, and the like may be interlocked with an application program (app) installed in the terminal 105.

The terminal 105 may be a customer terminal or an agent terminal.

The app may be provided by a financial institution or a telecommunication product operating agency and may submit an application to be provided to the server 100 or the financial company server 102 in the app, And so on.

As an example, if the customer clicks the communication product application button in the application, the user can select whether to receive the promotional benefit in conjunction with the existing financial product or through a new financial product subscription.

If the button for interlocking with the existing financial product is clicked for interlocking with the existing financial product, the already registered financial product information (account and company name) provided by the financial company server 102 is displayed and the customer . ≪ / RTI >

If you want to receive benefits as a new financial instrument, click on the "Benefit as a new financial instrument" button.

In addition to the above-mentioned contents, the app can perform various procedures such as contract extension and termination of a communication product.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. will be. Therefore, the scope of the present invention should not be limited to the above-described embodiments, but should be determined by all changes or modifications derived from the scope of the appended claims and equivalents of the following claims.

100: Server
102: Financial company server
105: terminal
110: communication information receiver
120: financial information receiver
130: Communication product subscription means
135: Financial instruments subscription means
140: Virtual account opening means
150:
160: second processing section
170:
180: fourth processing section
190: fifth processing section

Claims (4)

A communication discount amount connected to a financial company server; and a customer communication product provided in a server of the operating agency.
Receiving subscription information of the communication product including customer information, financial product information, and contract term information from a customer terminal or an agency terminal through a network, and transmitting the communication product information, financial product information, A communication information receiving unit for transmitting at least any one of information and non-receipt amount information;
A financial information receiving unit connected to the financial service server through a network to receive financial account information and interest information of a customer corresponding to the financial product information;
A first processor for calculating a communication discount amount corresponding to a usage amount of the communication product to be paid by the customer and calculating an additional interest amount that can be provided when the calculated communication discount amount is deposited in the customer's financial account;
A second processing unit for confirming whether the customer's communication product use amount and the financial product transfer amount are paid or not and depositing the additional interest amount in the financial account of the customer;
A third processing unit for confirming the completion of the billing work for the previous month's usage charge by confirming the termination of the communication product of the customer before the contracted period and calculating the unused usage fee until the specified due date;
A fourth processing unit for calculating an additional interest amount up to a specific date based on the unused usage fee calculated in the third processing unit; And
If the contract termination time of the financial instrument exceeds the contract termination point of the contract term by comparing the contract termination point of the financial instrument with the contract termination point of the contract term, When the new financial product registration request is not made from the customer terminal or the agency terminal, the information on the product registration information is transmitted to the customer terminal or the agency terminal before the end of the contract of the financial product, The financial institution may calculate and add the additional interest rate corresponding to the termination of the contract term to collectively pay the financial product account of the customer before the contract termination of the financial instrument, To the end of the contract term And a fifth processing unit for making a deduction from a communication product use amount of a customer in the future, wherein the system is operable with an application program installed in the customer terminal or the agency terminal,
The method according to claim 1,
Wherein the third processing unit extracts the previous month's usage fee by confirming whether or not the previous month's usage fee is stored when the billing operation for the previous month's usage fee is completed and adds the current usage fee to the previous month's usage fee until the termination date, A system for long-term affiliate promotion of a customer's communication product using interest
The method according to claim 1,
Wherein the fourth processing unit checks the termination of the financial product of the customer before the contract term and calculates an additional interest rate until the termination date and deposits the additional interest rate in the financial account of the customer, A system for long-term subscription promotion of a communication product of a customer using interest, which is characterized by subtracting the amount of money from the amount of communication product use
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