KR102292328B1 - System and method for calculating installment of mobile phone, recording medium for recording program for executing the control method, application saved in the recording medium for executing the control method being combined with hardware - Google Patents

Abstract

The present invention relates to a terminal installment billing amount calculation system and a control method thereof, a recording medium recording a program for executing the control method, and an application stored in the medium in combination with hardware to execute the control method. A method for controlling a terminal installment billing amount calculation system according to the present invention comprises the steps of: receiving terminal information selected by a customer; checking a terminal amount corresponding to the input terminal information; selecting at least a portion of the confirmed terminal price as an installment deferred deposit; The total installment period is divided into a first section and a second section, and a terminal installment billing amount for payment of the installment deferred deposit is allocated to each month belonging to the second section, and in each month belonging to the first section, the and allocating an installment billing amount for payment of the installment principal in the first section by deducting the installment deferred deposit from the terminal price.

Description

A terminal installment billing amount calculation system and a control method thereof, a recording medium recording a program for executing the control method, and an application stored in the medium in combination with hardware to execute the control method PHONE, RECORDING MEDIUM FOR RECORDING PROGRAM FOR EXECUTING THE CONTROL METHOD, APPLICATION SAVED IN THE RECORDING MEDIUM FOR EXECUTING THE CONTROL METHOD BEING COMBINED WITH HARDWARE}

The present invention relates to a terminal installment billing amount calculation system, a control method thereof, a recording medium recording a program for executing the control method, and an application stored in the medium in combination with hardware to execute the control method, in more detail A terminal installment billing amount calculation system and a control method therefor that reduce the initial cost of purchasing a terminal to telecommunication company subscribers who purchase a terminal, a recording medium recording a program for executing the control method, and hardware combined with the control It relates to an application stored on a medium for executing the method.

Recently, as the number of subscribers to mobile communication services is saturated, competition among mobile communication companies providing mobile communication services is intensifying.

Mobile subscribers join other carriers for various reasons or move through number portability. even move

Mobile carriers are attracting customers who have signed up with other companies as their own customers in various ways, and in the case of their own customers, they are making efforts not to be lost to other companies by increasing their satisfaction with their services.

However, the various incentives that each mobile communication company has proposed for the purpose of attracting customers in the past are similar to each other, so the effect of attracting customers is not high.

On the other hand, as mobile communication subscribers' preference for new handsets and the speed of new handset dissemination are increasing, mobile telecommunication subscribers' handset replacement cycle is also getting faster.

However, in the case of new handsets, the price is high, and the payment of handset subsidies is limited by policy, which puts a lot of pressure on customers.

Of course, customers can pay the purchase cost for the new handset in equal monthly installments according to the contract period with the telecommunication company instead of paying all at once, but even in this case, the monthly payment is still large for the expensive new handset.

In the end, this is also acting as a factor that lowers customers' motivation to purchase new handsets.

Patent Publication No. 10-2014-0093773

The present invention has been devised to solve the above-mentioned problems of the prior art, and its purpose is to reduce the initial burden of customers for purchasing a terminal, thereby maximizing the effect of attracting customers, a terminal installment billing amount calculation system and a method for controlling the same and a recording medium recording a program for executing the control method, and an application stored in the medium in combination with hardware to execute the control method.

In order to achieve the above object, the terminal installment billing amount calculation system according to the present invention comprises: a selection information input unit for receiving terminal information selected by a customer; a confirmation unit for confirming the terminal amount corresponding to the terminal information input to the selection information input unit; an installment deferred deposit selection unit for selecting at least a portion of the terminal price confirmed by the verification unit as an installment deferred deposit; The total installment period is divided into a first section and a second section, and a terminal installment billing amount for payment of the installment deferred deposit is allocated to each month belonging to the second section, and in each month belonging to the first section, the and an installment billing amount allocating unit for allocating the installment billing amount for payment of the installment principal in the first section by deducting the installment deferred deposit from the terminal price.

In addition, in order to achieve the above object, there is provided a method for controlling a terminal installment billing amount calculation system according to the present invention, the method comprising: receiving terminal information selected by a customer; checking a terminal amount corresponding to the input terminal information; selecting at least a portion of the confirmed terminal price as an installment deferred deposit; The total installment period is divided into a first section and a second section, and a terminal installment billing amount for payment of the installment deferred deposit is allocated to each month belonging to the second section, and in each month belonging to the first section, the and allocating an installment billing amount for payment of the installment principal in the first section by deducting the installment deferred deposit from the terminal price.

As described above, according to the present invention, the customer's initial burden for purchasing a terminal can be reduced, and accordingly, the mobile operator can retain more new customers or number portability customers, as well as transfer existing customers to other mobile carriers. frequency can be reduced.

1 is a schematic configuration diagram of an entire communication system including a terminal installment billing amount calculation system according to an embodiment of the present invention;
Figure 2 is a functional block diagram of the terminal installment billing amount calculation system of Figure 1;
Figure 3 (a) is a monthly installment calculation result according to the conventional method,
Figure 3 (b) is a monthly installment payment calculation result according to the present invention,
4 is a view showing an example of an allocation table of monthly installments according to the present invention,
5 is a control flowchart of a terminal installment billing amount calculation system according to an embodiment of the present invention.
6 is a table showing the monthly installment amount set when the entire terminal amount is set as installment deferred deposit according to an embodiment of the present invention compared with the conventional one.

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

Hereinafter, each embodiment according to the present invention is merely an example for helping understanding of the present invention, and the present invention is not limited to these embodiments. In particular, the present invention may be composed of a combination of at least any one of individual components, individual functions, or individual steps included in each embodiment.

A schematic configuration of the entire communication system including a system for calculating a terminal installment billing amount of a communication subscriber (hereinafter referred to as a terminal installment billing amount calculating system) 100 according to an embodiment of the present invention is shown in FIG. 1 .

In FIG. 1, the customer subscription computers 210 and 220 are computers in which employees such as a mobile carrier agency enter information of customers who want to subscribe to a mobile carrier service, and the communication subscriber's terminal installment billing amount calculation system 100 is a customer subscription computer ( 210,220) to receive information input from the customer subscription computers 210 and 220, and transmit a result page according to the input information to the customer subscription computers 210 and 220, or, if necessary, to transmit a predetermined message from each subscribed customer perform functions such as

In particular, the terminal purchase price calculation system 100 performs all processing related to the customer's subscription to a mobile carrier, for example, new customer subscription processing, number transfer subscription processing, customer cancellation processing, discount rate calculation according to the rate plan, calculation of monthly payment fee for each customer, Point accumulation processing for each customer, management of other customer information, etc. may be performed. Hereinafter, descriptions of general functions related to such customer subscription will be omitted as much as possible, and the characteristics of the present invention will be mainly described.

And in this embodiment, the terminal purchase price calculation system 100 is configured as an example separate from the customer subscription computers 210 and 220, but the customer subscription computers 210 and 220 will soon correspond to the terminal purchase price calculation system 100. may be

That is, when a database related to customer information is permanently or temporarily provided in the customer subscription computers 210 and 220 , all functions of the terminal purchase price calculation system 100 to be described later may be performed in the customer subscription computers 210 and 220 itself.

However, in this embodiment, since the customer subscription computers 210 and 220 and the terminal purchase price calculation system 100 are configured in a separate form as an example, the information or data input to the terminal purchase price calculation system 100 hereinafter is It is assumed that this is done through the customer subscription computers 210 and 220 .

The terminal purchase price calculation system 100 may be composed of a plurality of servers or devices, but is divided into functional blocks as shown in FIG. 2 .

As shown in the figure, the terminal purchase price calculation system according to an embodiment of the present invention includes a selection information input unit 110 , a confirmation unit 120 , an installment deferred deposit selection unit 130 , and an installment billing amount allocating unit 140 . ), the storage unit 150 , the offset processing unit 160 , and the installment payment claim unit 170 .

First, the storage unit 150 stores not only the personal information of each customer, but also the telecommunication company subscription period, communication service usage status, subscription plan history, accumulated points, and communication usage fee history. Information, data, tables, etc. generated and inputted according to the invention may be stored.

The selection information input unit 110 performs a function of receiving the terminal information selected by the customer or the rate plan information selected by the customer. Here, the input of terminal information or plan information includes input through a network, as well as input through a directly connected input device such as a keyboard or a touch pad.

The confirmation unit 120 performs a function of confirming the terminal amount corresponding to the terminal information input to the selection information input unit 110 .

For example, when the terminal amount matched to the terminal information is stored in the storage unit 150 , the confirmation unit 120 may check the terminal amount from the storage unit 150 , or the terminal amount corresponding to the terminal information is stored in the external storage unit 150 . If it is stored in the server of , it is also possible to check the terminal amount by communicating with the server.

In addition, the check unit 120 may check whether the customer's existing terminal residual installment payment remains. That is, the check unit 120 checks whether the remaining installment payment for the terminal previously held by the customer who newly selects and purchases the terminal in the present embodiment remains.

Installment deferred deposit selection unit 130 performs a function of selecting at least a portion of the terminal price confirmed by the confirmation unit 120 as the installment deferred deposit.

At this time, the installment deferred deposit selection unit 130 may select the installment deferred deposit corresponding to the rate plan information input to the selection information input unit 110 . For example, if a plurality of installment deferred deposits matched with each rate plan information for a specific terminal are stored in the storage unit 150 , the installment deferred deposit selection unit 130 may store the plurality of installment deferred deposits from the storage unit 150 . Among them, the installment deferred deposit matching the rate plan information selected by the user may be checked and selected, and if the installment deferred deposit is stored in a separate database server, the installment deferred deposit selector 130 communicates with the database server You can also check and select.

In the above example, the installment deferred deposit is determined in response to the user's selected rate plan as an example. Installment deferred deposits corresponding to at least one of them may be selected.

Here, the customer's communication usage may correspond to the previous month's communication usage, accumulated communication usage so far, average communication usage so far, etc. The customer's communication usage fee may also correspond to the communication fee of the immediately preceding month, the accumulated communication usage fee so far, and the average communication usage fee so far.

Meanwhile, the installment deferred deposit selection unit 130 may select the entire price of the terminal as the installment deferred deposit when the remaining installment payment of the existing terminal remains as a result of the confirmation unit 120 .

The installment claim amount allocating unit 140 divides the preset total installment period into a first section and a second section, and allocates the terminal installment billing amount for payment of the installment deferred deposit to each month belonging to the second section, In each month belonging to the 1st section, it performs a function of allocating the installment billing amount for the payment of the installment principal of the first section by deducting the installment deferred deposit from the price of the terminal.

Here, the total installment period means the total period for the terminal installment payment set according to the customer's choice or irrespective of the customer's choice, and the terminal price is the price before deducting the installment deposit in the method according to the present invention. It may correspond to the list price of the terminal or may correspond to an amount first discounted by applying a rate plan, etc.

In this embodiment, as an example, the total installment period is set to 30 months in total according to the customer's selection.

In this case, the installment claim amount allocating unit 140 may determine a portion of the total 30 months as the first section, and distinguish the second section for the remaining period. Each of these sections may be stored in the storage unit 150 in advance, or may be dynamically determined for each customer.

For example, the period ratio between the first section and the second section is set in response to at least one of the customer's telecommunication company subscription period, the customer's communication usage, the customer's selected rate plan, the accumulated points allocated to the customer, and the customer's communication usage fee it could be

Here, the customer's communication usage may correspond to the previous month's communication usage, accumulated communication usage so far, average communication usage so far, etc. The customer's communication usage fee may also correspond to the communication fee of the immediately preceding month, the accumulated communication usage fee so far, and the average communication usage fee so far.

Specifically, the installment billing amount allocating unit 140 allocates the installment billing amount equal to the first section installment principal to each month belonging to the first section, and a terminal in which the installment deferral deposit is equalized in each month belonging to the second section You can allocate the billing amount in installments.

Here, it is preferable that the amount obtained by equalizing the installment deferred deposit be larger than the amount obtained by equalizing the installment principal in the first section.

The installment billing amount allocating unit 140 may store the terminal installment billing amount allocated to each month in the form of a table in the storage unit 150 . That is, the installment billing amount allocating unit 140 may generate an installment payment table in which the installment billing amount is allocated to each month of the first section and the second section, and may be stored in the storage unit 150 .

As described above, if the installment deferred deposit selection unit 130 selects the entire price of the terminal as the installment deferred deposit because the remaining installment payment remains as a result of the confirmation unit 120, or at the request of the customer, the total price of the terminal is selected as the installment deferred deposit, the installment claim amount allocating unit 140 may allocate the installment claim amount for payment of the installment deferred deposit to the second section without allocating the installment claim amount to the first section.

On the other hand, the offset processing unit 160 is a function of offsetting the amount corresponding to the purchase amount of the used phone from the remaining installment when a customer requests to purchase a used phone to which a rate system according to the processing of the installment billing amount allocating unit 140 is applied carry out

For example, if the customer requests the purchase of the terminal before the first period has elapsed, the offset processing unit 160 checks the purchase amount of the terminal in the storage unit 150, and then sets the purchase amount in the installment deferred deposit. that can be deducted. The offset processing result may be stored in the storage 150 .

When the offset processing is performed by the above-described offsetting processing unit 160, the installment billing amount allocating unit 140 makes a terminal installment request for each month belonging to the second section so that the final installment deferred deposit from which the terminal purchase amount is deducted is made. Allocate the amount

The installment billing unit 170 performs a function of billing the customer for an installment billing amount. In particular, the installment billing unit 170 performs the function of billing the customer in installments, even if the payment of the installment principal of the first section is completed before the last month of the first section arrives. , an installment billing amount for payment of the installment deferred deposit may be charged to the customer from the start month of the second section.

In this way, the installment billing unit 170 reflects the data change according to the customer's full installment payment, additional payment, etc. in the installment payment table stored in the storage unit 150 by the installment billing amount allocating unit 140, and claims the monthly installment amount to the actual customer. As processing, it is possible to perform functions such as generating an invoice or displaying the actual billed amount at the request of the administrator.

In this case, when a customer claims the monthly terminal installment payment, the communication usage fee according to the customer's rate plan may also be charged.

At this time, the installment billing unit 170 is data for providing a discount on the communication usage fee of the customer in the second section based on at least one of the communication usage fee paid by the customer during the first section and the rate plan selected by the customer can be processed

For example, the installment billing unit 170 calculates the communication rate discount amount based on either the actual communication usage fee paid by the customer during the first period or the rate plan selected by the customer, and sets the calculated communication rate discount amount to the second The data can be processed so that it can be provided to the customer as points that can receive a discount on the communication fee to be charged in each month of the section, or the communication fee to be charged in each month of the second section by directly applying the calculated discount amount of the communication fee The data may be processed to be calculated by discounting the

On the other hand, the message transmission unit 180 performs a function of transmitting a message regarding the payment of the installment deferred deposit to the corresponding customer in the last month of the first section. This is to prevent payment of delinquent interest or cancellation of plan due to delinquency by reminding customers of the deferral of installment payment.

The message transmitted by the message transmission unit 180 to each customer's terminal may be transmitted in a manner such as SMS (Short Message Service), MMS (Multimedia Messaging Service), or the like, or using various social network services (SNS) or messenger services. may be transmitted.

3( b ) shows a specific example in which monthly installment payments are allocated for the terminals according to the function of the above-described terminal installment billing amount calculation system 100 , and FIG. This is an example of assignment.

That is, referring to FIG. 3(a), if the carrier subsidy for a terminal whose factory price is 900,000 won is 300,000 won, the total installment principal for the terminal, that is, the total amount the customer has to pay to purchase the terminal is 600,000 won , if the contract period (ie, installment months) is 30 months, the customer must pay a monthly installment amount of 20,000 won.

On the other hand, in the same case, referring to Fig. 3(b) according to the present invention, assuming that the installment deferred deposit of the terminal according to the plan selected by the user is 330,000 won from the total installment principal of 600,000 won, the first installment period of 30 months In 18 months corresponding to section 1, 15,000 won, equal to the installment principal of the first section (i.e., 600,000 - 330,000 = 270,000), is allocated. (ie, 330,000) equal to 27,500 won can be allocated.

3(a) and 3(b), the customer had to pay 20,000 won per month as an installment for the terminal conventionally, but according to the present invention, only 15,000 won per month for the first 18 months is required. Even if there is no difference in the amount, it has the advantage of reducing the initial cost burden.

4 shows in detail the monthly installment amount allocated to the customer each month during the total installment period according to the present invention. Referring to FIG. 4 , the customer can easily check the amount to be paid monthly from the point of purchase of the terminal.

As shown in FIG. 4 , an installment payment table indicating monthly installments of the first and second sections of the total installment period may be generated at the time of purchase of the customer's terminal and stored in the storage unit 150 .

If the installment payment table spanning the first section and the second section is stored in the storage unit 150 in advance, at the request of the agent, customer, or manager, the terminal installment payment to be paid by the customer is immediately provided without separate calculation. There are also advantages to being able to.

Although only the installment payment has been described in the above embodiment, it may be further included in the interest amount according to the installment during actual allocation or billing, and in this case, interest according to the installment deferral may not be claimed.

5 is an overall control flow diagram of the terminal installment billing amount calculation system 100 according to an embodiment of the present invention.

First, the terminal installment billing amount calculation system 100 receives information about the terminal selected by the customer (terminal information) and information on the rate plan (rate plan information) (step S1), and confirms the amount of the terminal (step S3) , confirms and selects the installment deferred deposit matched to the terminal type and rate plan (step S5). As described above, the installment deferred deposit may be selected in consideration of the user's telecommunication company subscription period or communication service usage pattern, in addition to the terminal type and rate plan.

At this time, the terminal installment billing amount calculation system 100 divides the installment period selected by the user, matching the rate plan, or set in advance into a first section and a second section (step S7).

Here, the number of months of each of the first section and the second section may also be predetermined or may be dynamically determined according to the customer's subscription period or communication service usage pattern.

After that, the terminal installment billing amount calculation system 100 equally allocates the first section installment principal (the amount obtained by subtracting the installment deferred deposit from the total installment principal) in the first section (step S9), and installs the installment deferred deposit in the second section Allocate equally (step S11).

The terminal installment billing amount calculation system 100 generates and stores an installment schedule table including the monthly installment amount allocated for each section (step S13), and uses this installment schedule table to bill the terminal purchase customer each month do (step S15).

Here, when the terminal installment payment is requested, the communication usage fee of the corresponding customer may also be charged, but the communication service usage fee is omitted for convenience.

In the above-described embodiment, a case in which a part of the terminal price is selected as the installment deposit is mainly described, but as described above, the entire terminal price may be selected as the installment deposit.

In particular, it is desirable that this benefit be provided to alleviate the burden of paying the initial installment payment for the new terminal only to customers who have the remaining installment payment for the existing terminal.

As such, a table comparing the case in which the entire price of the terminal is selected as the installment deferred deposit with the conventional case is shown in FIG. 6 .

'General purchase_24' in the first column in FIG. 6 is an example of allocating the installment bill amount of 25,000 won so that the entire terminal price (in FIG. , and the 'six-month type' in the second column is an example in which the entire price of the terminal (600,000 won in installment principal) is selected as the installment deferral according to the present invention, and the first section (that is, the grace period) is set to 6 months represents

Accordingly, in the case of the 'six-month type', the customer does not have to pay the installment payment for the first 6 months of the 24 months of the contract period, and after 6 months has elapsed, about 33,333 won per month for the 18 months of the contract period is paid in installments. will become

Similarly, in the case of the 12-month contract, the customer does not have to pay the installment payment for the first 12 months of the 30-month contract period, and after the 12 months have elapsed, about 33,333 won per month for the 18 months after the end of the contract period.

Meanwhile, it goes without saying that the process of performing each of the above-described embodiments may be performed by a program or application stored in a predetermined recording medium (eg, computer-readable). Here, the recording medium includes an electronic recording medium such as a random access memory (RAM), a magnetic recording medium such as a hard disk, and an optical recording medium such as a compact disk (CD).

In this case, the program stored in the recording medium may be executed on hardware such as a computer or a smart phone to perform each of the above-described embodiments. In particular, at least one of the functional blocks of the terminal installment billing amount calculation system according to the present invention described above may be implemented by such a program or application.

In addition, the present invention is not limited to the specific embodiments described above, but can be practiced with various modifications and modifications within the scope without departing from the gist of the present invention. It will be apparent that such modifications and variations are included in the present invention provided they fall within the scope of the appended claims.

100: Terminal installment billing amount calculation system
210, 220: customer signup computer
110: selection information input unit 120: confirmation unit
130: installment deferred deposit selection unit 140: installment claim amount allocation unit
150: storage unit 160: offset processing unit
170: installment billing unit 180: message transmission unit

Claims (28)

In the control method of the terminal installment billing amount calculation system for calculating the terminal installment billing amount at the time of terminal purchase,
(a) receiving terminal information selected by the customer;
(b) checking a terminal price corresponding to the terminal information input in step (a);
(c) selecting at least a portion of the terminal price confirmed in step (b) as an installment deferred deposit;
(d) divide the total installment period into a first section and a second section, and allocate a terminal installment billing amount for payment of the installment deferred deposit to each month belonging to the second section, and each month belonging to the first section Allocating an installment billing amount for payment of the installment principal in the first section by deducting the installment deferred deposit from the terminal price for each month,
Further comprising the step of determining the communication usage of the customer,
The control method of the terminal installment billing amount calculation system, characterized in that the ratio of the period between the first section and the second section is dynamically set for each customer in response to the determined communication usage of the customer. According to claim 1,
In the step (d), the terminal installment billing amount equal to the installment deferred deposit is allocated to each month belonging to the second section, and installments obtained by dividing the installment principal of the first section in each month belonging to the first section A control method of a terminal installment billing amount calculation system, characterized in that allocating the billing amount. 3. The method of claim 2,
The control method of the terminal installment billing amount calculation system, characterized in that the amount obtained by equalizing the installment deferred deposit is greater than the amount obtained by equalizing the first section installment principal. According to claim 1,
(e) further comprising the step of receiving information on the rate plan selected by the customer;
In the step (c), the control method of the terminal installment billing amount calculation system, characterized in that the installment deferred deposit corresponding to the rate plan information input in the step (e) is selected. delete According to claim 1,
In the step (d), the control method of the terminal installment billing amount calculation system, characterized in that generating and storing the installment payment table in which the installment billing amount is allocated to each month of the first section and the second section. 5. The method of claim 4,
The control method of the terminal installment billing amount calculation system, further comprising the step of offsetting an amount corresponding to the purchase price of the used phone from the remaining installment deferral when a customer requests to purchase the used phone. According to claim 1,
Even if payment of the installment principal of the first section is completed before the last month of the first section arrives, the step of billing the customer for an installment billing amount for payment of the installment deferred deposit from the start month of the second section Control method of the terminal installment billing amount calculation system, characterized in that it further comprises. According to claim 1,
In step (c), the entire terminal price confirmed in step (b) is selected as an installment deferred deposit,
Control of the terminal installment billing amount calculation system, characterized in that in step (d), the installment claim amount is not allocated to the first section, and the installment claim amount for payment of the installment deferred deposit is allocated to the second section Way. 10. The method of claim 9,
(f) further comprising the step of determining whether the customer's existing terminal remaining installment payment,
In step (c), when the remaining installment payment of the existing terminal remains as a result of the determination in step (f), the terminal installment billing amount calculation, characterized in that the entire terminal price confirmed in step (b) is selected as the installment deferred deposit How to control the system. According to claim 1,
In the last month of the first section, the control method of the terminal installment billing amount calculation system, characterized in that it further comprises the step of transmitting a message about the payment of the installment deferred deposit to the customer. According to claim 1,
The method further comprising the step of providing a discount benefit for the communication usage fee of the customer in the second section based on at least one of a communication fee paid by the customer during the first section and a rate plan selected by the customer A method of controlling a terminal installment billing amount calculation system. 13. The method of claim 12,
In the step of providing the discount benefit,
The communication fee discount amount is calculated based on at least one of the communication usage fee paid by the customer during the first section and the rate plan selected by the customer, and the calculated communication fee discount amount is applied to the communication to be billed in each month of the second section Data is processed so that it can be provided to customers as points that can receive discount on usage fees, or data is processed so that it is calculated by discounting the communication usage fee to be charged in each month of the second section by applying the calculated communication fee discount amount Control method of the terminal installment billing amount calculation system, characterized in that. A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 4, 6 to 13 is recorded. An application stored on a medium in combination with hardware to execute the method of any one of claims 1 to 4, 6 to 13. In the terminal installment billing amount calculation system for calculating the terminal installment billing amount at the time of terminal purchase,
a selection information input unit for receiving terminal information selected by a customer;
a confirmation unit for confirming a terminal price corresponding to the terminal information input to the selection information input unit;
an installment deferred deposit selection unit for selecting at least a portion of the terminal price confirmed by the verification unit as an installment deferred deposit;
The total installment period is divided into a first section and a second section, and a terminal installment billing amount for payment of the installment deferred deposit is allocated to each month belonging to the second section, and in each month belonging to the first section, the and an installment billing amount allocating unit for allocating the installment billing amount for payment of the installment principal in the first section by deducting the installment deferred deposit from the terminal price,
After determining the customer's communication usage, the terminal installment billing amount calculation system, characterized in that the ratio of the period between the first section and the second section is dynamically set for each customer in response to the determined communication usage of the customer. 17. The method of claim 16,
The installment claim amount allocating unit allocates the terminal installment billing amount equal to the installment deferred deposit to each month belonging to the second section, and in each month belonging to the first section, the installment request is made equal to the first section installment principal Terminal installment billing amount calculation system, characterized in that allocating the amount. 18. The method of claim 17,
The system for calculating the billing amount in installments for a terminal, characterized in that the amount obtained by dividing the installment deferred deposit is larger than the amount obtained by dividing the installment principal in the first section. 17. The method of claim 16,
The selection information input unit receives the rate plan information selected by the customer,
The installment deferred deposit selection unit terminal installment billing amount calculation system, characterized in that for selecting the installment deferred deposit corresponding to the rate plan information input to the selection information input unit. delete 17. The method of claim 16,
further comprising a storage unit,
The installment billing amount allocating unit generates an installment payment table in which the installment billing amount is allocated to each month of the first section and the second section, and stores it in the storage unit. 17. The method of claim 16,
When a customer requests to purchase a used phone, the terminal installment billing amount calculation system further comprising an offsetting processing unit that offsets the amount corresponding to the purchase price of the used phone from the remaining installment deferred deposit. 17. The method of claim 16,
Further comprising an installment billing unit for billing the installment bill amount from the customer;
The installment billing unit receives the installment billing amount for payment of the installment deferred deposit from the start month of the second segment even if the payment of the first segment installment principal is completed before the last month of the first segment arrives. Terminal installment billing amount calculation system, characterized in that for billing. 17. The method of claim 16,
The installment deferred deposit selection unit selects the entire price of the terminal as an installment deferred deposit,
The installment claim amount allocating unit does not allocate the installment claim amount to the first section, and allocates the installment claim amount for the payment of the installment deferred deposit to the second section. 25. The method of claim 24,
The confirmation unit checks whether the customer's existing terminal residual installment payment remains,
The installment deferred deposit selection unit is a terminal installment billing amount calculation system, characterized in that when the remaining installment payment remaining in the existing terminal as a result of the confirmation of the confirmation unit, selects the entire price of the terminal as the installment deferred deposit. 17. The method of claim 16,
Transmitting a message regarding payment of the installment deferred deposit to the customer in the last month of the first section, the terminal installment billing amount calculation system further comprising a message transmitting unit. 24. The method of claim 23,
The installment billing unit provides a discount benefit for the charge borne by the customer in the second section based on at least one of a communication usage fee paid by the customer during the first section and a rate plan selected by the customer Installment billing amount calculation system. 28. The method of claim 27,
The installment billing unit calculates a communication rate discount amount based on at least one of a communication usage fee paid by the customer during the first section and a rate plan selected by the customer, and applies the calculated communication fee discount amount to each of the second section To process data so that it can be provided to customers as points that can receive a discount on the communication fee to be billed in the month, or to apply the calculated discount amount to calculate the communication fee to be charged in each month of the second section Terminal installment billing amount calculation system, characterized in that processing data.

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