KR102339708B1 - Method of Group account provide service to prevent embezzlement, and apparatus thereof - Google Patents

Abstract

The present invention relates to a group account provision service method for preventing embezzlement and an apparatus therefor, by receiving a location from a terminal device to use group account payment, confirming the meeting participants attending the meeting through distance comparison, and meeting If the attendance rate is calculated and the attendance rate is higher than the preset standard attendance rate, it is determined that the payment conditions are satisfied, and the payment request from the affiliated store terminal by input from the member terminal device is based on the purpose of the meeting, the field of interest of the meeting, and the activity details of the meeting When the set meeting category and the payment approval range set based on the meeting category are satisfied, the service device approves the payment request, so that the fund manager uses the funds for a negative purpose during joint fund management in a group meeting Payment or withdrawal can be blocked in advance, payment approval is determined according to the attendance rate of meeting members, and payment is approved only when the item to be paid meets the purpose and purpose of the meeting to prevent unnecessary expenses. The common funds can be managed transparently.

Description

Method of Group account provide service to prevent embezzlement, and apparatus thereof

The present invention relates to a group account providing service, and more particularly, when purchasing a product using a common fund, in order to prevent the money manager from using it illegally, when the meeting attendance rate of meeting members for product purchase is greater than or equal to the standard attendance rate In order to approve the payment and check whether the product requested for payment meets the purpose and purpose of the meeting, the group account provision service method for the prevention of embezzlement that approves the payment request when the preset range for payment approval is satisfied It is about a device for

The content described in this section merely provides background information for the present embodiment and does not constitute the prior art.

Due to the rapid development of information and communication technology, various types of terminals such as mobile communication terminals and personal computers are being implemented to perform various functions.

Taking the mobile communication terminal as an example, the mobile communication terminal goes beyond the basic voice communication function, and recently data communication, taking pictures or videos using a camera, playing music or video files, playing games, watching broadcasts, etc. is being implemented.

Technological development for increasing the functions that can be executed in these terminals is continuously being made, focusing on hardware improvement technology as well as software improvement technology.

Recently, various services have been provided through applications executable in the terminal. For example, various types of applications, such as a communication application including a messenger application capable of conducting a conversation by sending and receiving messages with a plurality of users, and a banking application for performing account transfer, are provided. In particular, the banking application is a representative example of financial transaction services, and in addition, it is available through direct visit to a bank or through automated teller machine (ATM), phone banking, internet banking, and the like.

On the other hand, in financial transactions, there are cases in which an account is opened for individual money management, but there are many cases in which an account is opened for joint money management as in group meetings such as alumni associations or social gatherings.

In this case, there are cases where a group account is opened and funds are managed. However, because the sign-up process is complicated and inconvenient, there are many cases where an individual account is opened and operated. In addition, there is a problem in that even if the money manager uses or embezzles the funds for a negative purpose, it is impossible for the members of the group to block it in advance because the account manager, such as the representative or general secretary, is entrusted with the use of the group account.

Korean Patent Registration No. 0864995, registered on October 16, 2008 (Title: Financial service system and method that allows account withdrawal only with the consent of members)

The present invention has been proposed in advance to prevent a money manager from using or embezzling funds for a negative purpose in a group meeting, when managing common funds. We intend to provide a group account provision service method and device for the prevention of embezzlement that only approves payment only on the Internet and only approves payment when the item to be paid meets the purpose and purpose of the meeting.

A service device according to an embodiment of the present invention for achieving the above object is, for each group account, member information of a meeting corresponding to each group account, terminal information of each member, purpose of the meeting, field of interest, activity history a storage module for storing group account information including at least one of a meeting category set based on one of the criteria, and a standard attendance rate for payment approval; a payment approval module that, upon receiving a payment request for a specific group account, compares the meeting attendance rate calculated based on the group account information with the reference attendance rate, and determines whether to approve the payment according to the comparison result; and a meeting management module for calculating the meeting attendance rate of members based on location information of a terminal device of a meeting member corresponding to the group account. may include

The meeting management module in the service device according to an embodiment of the present invention for achieving the object as described above, confirms a meeting place, compares the identified meeting place with the location information of the terminal device of each meeting member, , when the location of the terminal device is within a preset distance from the meeting place, it is characterized in that the member corresponding to the terminal device is determined to be present.

The meeting management module in the service device according to an embodiment of the present invention for achieving the object as described above, compares the location information of the terminal device of the meeting members, the members present within a mutually preset distance range to attend state It is characterized by judging by

The meeting management module in the service device according to an embodiment of the present invention for achieving the object as described above, further confirms the meeting time, and collects the location information of the terminal device based on the confirmed meeting time characterized in that

The meeting management module in the service device according to an embodiment of the present invention for achieving the object as described above, in order to check whether the determined attendance status is correct, the attendance confirmation message for inquiring whether to attend the meeting to the terminal device It is characterized by transmitting.

The storage module in the service device according to an embodiment of the present invention for achieving the above object further stores a payment approval range set based on the meeting category, and the payment approval module is It is further determined whether the payment approval range is satisfied, and when the payment approval range is satisfied, the payment is approved.

The payment approval range in the service device according to an embodiment of the present invention for achieving the above object is set based on one or more of affiliated store identification information, affiliated store name, affiliated store address, representative sales item, and payment limit The service method for group account payment according to an embodiment of the present invention for achieving the above object is, for each group account, member information of a meeting corresponding to each group account, and terminal information of each member , storing group account information including at least one of a meeting category set based on one of the purpose of the meeting, the field of interest, and the activity history, and the standard attendance rate for payment approval; receiving a payment request for a specific group account; comparing the meeting attendance rate calculated based on the group account information with the reference attendance rate; determining whether to approve the payment according to the comparison result; and calculating the meeting attendance rate of the members based on the location information of the terminal device of the meeting member corresponding to the group account.

Calculating the meeting attendance rate in the service method for group account payment according to an embodiment of the present invention for achieving the above object may include: confirming a meeting place; comparing the identified meeting place with location information of a terminal device of each meeting member; and determining that a member corresponding to the terminal device is in the present state when the location of the terminal device is within a preset distance from the meeting place.

Calculating the meeting attendance rate in the service method for group account payment according to an embodiment of the present invention for achieving the above object may include: comparing location information of terminal devices of the meeting members; It characterized in that it includes; determining the members present within a mutually preset distance range to be present.

Calculating the meeting attendance rate in the service method for group account payment according to an embodiment of the present invention for achieving the above object may include: further confirming a meeting time; It characterized in that it further comprises; collecting the location information of the terminal device based on the confirmed meeting time.

According to the present invention, when managing common funds in a group meeting, it is possible to prevent the money manager from using or withdrawing funds for a negative purpose in advance, and whether to approve the payment is determined according to the meeting attendance rate of the meeting members, thereby Therefore, it is possible to strengthen the trust of the members of the group and transparently manage the common funds.

In addition, since the payment is approved only when the product for which payment is requested meets the purpose and purpose of the meeting, unnecessary expenses can be prevented and the common funds can be managed transparently.

In addition, since the affiliated store of the present invention performs a group account payment and receives the payment contents, the store will become easier to manage customers and become an easy means of securing regular customers.

In addition, since the present invention can identify the meeting attendees by identifying the location of the terminal device, it is possible to effectively manage the meeting, such as managing the participants and managing the late members of the meeting.

1 is a diagram showing the configuration of a group account settlement system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a service device for group account settlement according to an embodiment of the present invention.
3 is a diagram illustrating a group account initial registration service procedure according to an embodiment of the present invention.
4 is a diagram illustrating a group account settlement service procedure according to an embodiment of the present invention.
5 is a flowchart illustrating a method of authorizing payment according to an embodiment of the present invention.
6 is a flowchart illustrating a method of calculating a meeting attendance rate according to an embodiment of the present invention.
7 is a diagram illustrating group account information managed by a service device according to an embodiment of the present invention.
8 is a diagram illustrating an example of a payment approval screen according to an embodiment of the present invention.
9 is a diagram illustrating an operating environment of an apparatus for group account settlement according to an embodiment of the present invention.

In order to clarify the characteristics and advantages of the problem solving means of the present invention, the present invention will be described in more detail with reference to specific embodiments of the present invention shown in the accompanying drawings.

However, detailed descriptions of well-known functions or configurations that may obscure the gist of the present invention in the following description and accompanying drawings will be omitted. Also, it should be noted that, throughout the drawings, the same components are denoted by the same reference numerals as much as possible.

The terms or words used in the present specification and claims described below should not be construed as being limited to their ordinary or dictionary meanings, and the inventor is appropriate as a concept of terms for describing his invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention based on the principle that it can be defined in Therefore, the embodiments described in this specification and the configurations shown in the drawings are only the most preferred embodiment of the present invention, and do not represent all the technical spirit of the present invention, so at the time of the present application, various It should be understood that there may be equivalents and variations.

In addition, terms including ordinal numbers such as 1st, 2nd, etc. are used to describe various components, and are used only for the purpose of distinguishing one component from other components, and to limit the components. not used For example, without departing from the scope of the present invention, the second component may be referred to as the first component, and similarly, the first component may also be referred to as the second component.

In addition, when an element is referred to as being “connected” or “connected” to another element, it means that it is logically or physically connected or can be connected. In other words, it should be understood that a component may be directly connected or connected to another component, but another component may exist in between, and may be indirectly connected or connected.

In addition, the terms used herein are used only to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In addition, terms such as "comprises" or "have" described in this specification are intended to designate that the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist, but one or the It should be understood that the above does not preclude the possibility of the existence or addition of other features or numbers, steps, operations, components, parts, or combinations thereof.

In addition, embodiments within the scope of the present invention include computer-readable media having or carrying computer-executable instructions or data structures stored in the computer-readable media. Such computer readable media can be any available media that can be accessed by a general purpose or special purpose computer system. By way of example, such computer-readable media may be in the form of RAM, ROM, EPROM, CD-ROM, or other optical disk storage, magnetic disk storage or other magnetic storage, or computer-executable instructions, computer-readable instructions, or data structures. It may include, but is not limited to, a physical storage medium such as any other medium that can be used to store or convey any program code means in .

In the following description and claims, a “network” is defined as one or more data links that enable the transfer of electronic data between computer systems and/or modules. When information is transmitted or provided to a computer system via a network or other communication connection (wired, wireless, or a combination of wired or wireless), the connection may be understood as a computer-readable medium. Computer readable instructions include, for example, instructions and data that cause a general purpose computer system or special purpose computer system to perform a particular function or group of functions. The computer executable instructions may be, for example, binary, intermediate format instructions such as assembly language, or even source code.

In addition, the present invention relates to personal computers, laptop computers, handheld devices, multiprocessor systems, microprocessor-based or programmable consumer electronics, network PCs, minicomputers, mainframe computers, mobile telephones, PDAs, pagers. It may be implemented in a network computing environment having various types of computer system configurations, including (pager) and the like. The invention may also be practiced in distributed system environments where both local and remote computer systems linked through a network by a wired data link, a wireless data link, or a combination of wired and wireless data links perform tasks. In a distributed system environment, program modules may be located in local and remote memory storage devices.

Now, a method for providing a group account for preventing embezzlement according to an embodiment of the present invention and an apparatus therefor will be described in detail with reference to the drawings.

First, the main configuration of the group account settlement system according to an embodiment of the present invention will be described with reference to FIG. 1 .

1 is a diagram schematically illustrating the configuration of a group account settlement system 10 according to an embodiment of the present invention.

Referring to FIG. 1 , the group account payment system may include one or more terminal devices 100 , an affiliated store terminal 200 , and a service device 300 connected through a network.

Briefly describing each component, first, the terminal device 100 of the present invention refers to a user's device capable of transmitting and receiving various data via a network according to a user's manipulation. Here, the user means a service user who opens a group account as a member of a predetermined group.

The terminal device 100 according to the present invention includes a tablet PC, a laptop, a personal computer (PC), a smart phone, and a personal digital assistant (PDA). , may be any one of a smart TV and a mobile communication terminal (Mobile Communication Terminal).

In addition, the terminal device 100 is an electronic device that performs voice or data communication using a network, and executes a browser for communicating with the service device 300 via a network, a memory for storing programs and protocols, and various programs. It means an electronic device equipped with a microprocessor for operation and control.

That is, the terminal device 100 is capable of server-client communication with the service device 300 and any electronic device is possible as long as it can execute a customized service, and a communication computing device such as a notebook computer, a mobile communication terminal, and a PDA. It is a broad concept that includes all Meanwhile, the terminal device 100 is preferably manufactured in a form having a touch screen, but is not necessarily limited thereto.

The terminal device 100 may communicate with the service device 300 interworking through a network to transmit/receive data according to the group account payment service.

For example, the terminal device 100 may transmit member information for using the group account payment to the service device 300 .

Also, the terminal device 100 may transmit terminal information of a member for using the group account payment to the service device 300 .

Also, the terminal device 100 may transmit meeting category information set based on one of the purpose of the meeting, the field of interest, and the activity details to the service device 300 in order to use the group account payment.

In addition, the terminal device 100 provides the payment approval range information for setting the payment approval range based on the meeting category information set based on one of the purpose of the meeting, the field of interest, and the activity details in order to use the group account payment as a service device It can be transmitted to (300).

In addition, the terminal device 100 may transmit, to the service device 300 , reference attendance rate information, which is information necessary for group payment approval of meeting members, to use the group account payment.

Also, the terminal device 100 may transmit the location information of the user terminal to the service device 300 in order to calculate a distance value from a meeting place where group account payment is to be used.

Also, the terminal device 100 may receive affiliate store information registered by the affiliate store terminal 200 from the service device 300 in order to use the group account payment.

The affiliated store terminal 200 according to an embodiment of the present invention is a device used by an affiliated store user that provides goods or services to the user, and communicates with the service device 300 through a network to receive data on group account payment service use. It is an electronic device that can transmit and receive.

For example, the affiliated store terminal 200 is a terminal that combines the functions of a cash register and a computer terminal, and is a POS (Point of Sales) terminal that not only settles the sales amount, but also collects and processes various information and data necessary for retail management. can In addition, the affiliated store terminal 200 may be a terminal that stores data such as a product name or price at the time of sale by attaching a card payment device to a personal computer (PC), or a terminal that performs payment such as a CAT (Credit Authorization Terminal).

The affiliated store terminal 200 according to the present invention may transmit location information of the affiliated store terminal 200 to the service device 300 through a network in order to calculate a distance value from the terminal device 100 .

In addition, the affiliated store terminal 200 transmits a payment request to the service device 300 through the network, determines whether the service device 300 satisfies the payment condition, and when the payment is approved, the payment result may be provided.

In addition, the affiliated store terminal 200 may output the payment result as a receipt, and may display it on the affiliated store terminal 200 .

The service device 300 according to an embodiment of the present invention is a configuration for performing a group account payment service by interworking with one or more terminal devices 100 and the affiliated store terminal 200 through a network, and is received from the affiliated store terminal 200 . A service for confirming whether a payment request satisfies a payment condition based on group account information pre-stored by the terminal device 100 may be performed. In this case, the payment condition may be a payment approval range set in consideration of a meeting category set based on one of a meeting purpose, an area of interest, and an activity history of a meeting member designated by the terminal device 100 .

When receiving a payment request from the affiliated store terminal 200 , the service device 300 receives location information of each terminal from the terminal device 100 , compares the previously stored location information of the affiliated store terminal 200 , to obtain a distance value. It is possible to determine whether to attend by calculating have.

That is, the service device 300 according to the present invention, upon receiving a payment request from the affiliated store terminal 200, determines whether the payment request is provided from the terminal device 100 and satisfies a payment condition according to stored group account information. If it is determined and the payment condition is satisfied, the location information of each terminal device 100 is provided as a service device, and the distance value between each terminal device 100 and the meeting place is compared with the location information of the affiliated store terminal 200 . By calculating , the terminal device 100 within a certain distance may be determined to be in the state of attending the meeting.

That is, the service device 300 in another embodiment according to the present invention confirms each location information of the plurality of terminal devices 100 of each member of the meeting, and the mutual distance between the terminal devices 100 is a preset distance range. It can be judged as attending status for members existing within.

On the other hand, the service device 300 transmits an attendance confirmation message to the terminal device 100 in the attended state to confirm once again whether the terminal device 100, which is determined to be in the attended state, has attended the meeting. can be queried. In this case, the attendance confirmation message may be provided through a message service such as SMS, MMS, or instant message (IM). When a response confirmation message is received from the terminal device 100 that has received the attendance confirmation message, the corresponding terminal device 100 may determine the attendance state. In addition, the meeting attendance rate is calculated based on the terminal device determined as the attendance state, and the payment is approved in response to the payment request for the terminal device 100 by comparing it with the pre-stored reference attendance rate, and payment confirmation for the approved payment request A message may be provided to the terminal device 100 , and a payment result may be transmitted to the affiliated store terminal 200 .

A detailed configuration of a service device according to an embodiment of the present invention in the group account payment system configured as described above will be described in detail with reference to the accompanying drawings.

2 is a diagram illustrating a detailed configuration of a service device 300 in a group account payment system according to an embodiment of the present invention.

Referring to FIG. 2 , a service device 300 according to an embodiment of the present invention may include a meeting management module 310 , a payment approval module 320 , and a storage module 330 . Here, a 'module' is a component that performs a predetermined function, and may be implemented as hardware, software, or a combination of hardware and software. For example, the 'module' may mean a program module, which is executed by a processor to perform a predetermined function.

The meeting management module 310 according to an embodiment of the present invention calculates a distance value from the affiliated store terminal 200 of the meeting place based on the location information received from the terminal device of the member attending the meeting, and the terminal is within a certain distance. By making the device determine that the member is in the attendance state, the member attending the meeting may be determined, and the ratio of the members attending the meeting to the total meeting members may be calculated to calculate the meeting attendance rate.

The meeting management module 310 receives and compares the location information of the terminal devices of each member of the meeting, and determines that members whose mutual distances are within a preset distance range of the terminal devices 100 are in an attending state and meets attendance can be calculated.

In addition, the meeting management module 310 collects the location information of the terminal device 100 of each member based on the confirmed meeting time by further checking the meeting time, that is, the meeting time of the meeting members, and at a time close to the meeting time. You can check whether members have participated in the meeting.

The meeting management module 310 transmits an attendance confirmation message for inquiring whether to attend to the terminal device 100 in the presence state in order to confirm whether the member in the attendance state is in the attendance state, and a response confirmation message from each terminal device may be received to determine an attendance state for the terminal device.

The payment approval module 320 according to an embodiment of the present invention may determine whether a payment condition is satisfied by checking whether a payment request from the affiliated store terminal 200 satisfies the payment approval range of the group account information. In addition, when the payment condition is satisfied and the meeting attendance rate calculated by the meeting management module 310 is equal to or greater than the pre-stored reference attendance rate, the payment approval module 320 may approve the payment.

As described above, the payment approval module 320 is a device for obtaining purchase consent of members in an offline meeting directly attending the meeting, and as the meeting attendance rate is calculated, in the case of the online purchase, each member's terminal device ( 100), when a purchase agreement confirmation message is sent and a consent response of the pre-stored ratio of the threshold value is received from the members, the payment can proceed. In this case, as the threshold value, the same value as the previously stored reference attendance rate may be applied.

That is, when receiving a payment request from the affiliated store terminal 200 , the payment approval module 320 may determine whether the condition of the payment approval range is satisfied. As a result of the determination, if the payment request meets the conditions of the payment approval range DB 334, the attendance rate of the meeting members is calculated in order to check whether the meeting members agree to the payment request, and the calculation result, the preset standard If the attendance rate is higher than the attendance rate, payment is approved.

On the other hand, when a payment request is received through the online merchant, the terminal device 100 checks the merchant online address registered in the payment approval range DB, and when the online site where the purchase is made corresponds to the merchant, the payment can be approved have.

In addition, when making an online payment, the member's consent for the payment request can be obtained through a message. In this case, the message for obtaining the consent of the members may be provided through a message service such as SMS, MMS, or instant message (IM).

That is, when the site where the purchase is made by receiving the online payment request is the affiliate store, the payment approval module 320 transmits a message to the terminal devices of each member in order to obtain consent for the payment request, and stores a pre-stored threshold If you get more than the value of consent, the payment is approved.

In the above, the payment approval range DB sets a criterion based on one or more of the affiliated store identification information, the affiliated store name, the affiliated store address (site address if online), and the representative sale item payment limit, and is provided from the affiliated store terminal 200 and stored characterized.

The storage module 330 according to an embodiment of the present invention receives a group account payment request from the affiliated store terminal 200 and manages information related to providing a group account payment service, and is a hardware storage medium or a hardware storage medium. It may be a data module (file system or database system) that is written to and stores the information.

The storage module 330 may include at least one of a member information DB, a terminal information DB, a meeting category DB, a payment approval range DB, a standard attendance rate DB, and a member store information DB.

For example, the storage module 330 may include a hard disk, a magnetic medium such as a floppy disk and a magnetic tape, and an optical recording medium such as a compact disk read only memory (CD-ROM), and a digital video disk (DVD). (Optical Media), a magneto-optical medium such as a floppy disk, and may include a ROM, a random access memory (RAM), and a flash memory.

The member information DB 331 according to the present invention stores information of member members among members who have subscribed to the group account payment service, where the member information may be registered through the affiliated store terminal 200, and a terminal device ( 100) and the service device 300 may be directly registered from a member through interworking. In addition, member information may include member name, gender, date of birth, cumulative number of attendance, position at the meeting (representative, secretary, general member, etc.).

In this case, in the case of a meeting member whose status in the meeting is the representative, it may be a member who transmits a payment request to the affiliate store terminal 200 in the meeting.

The terminal information DB 332 according to the present invention may include a terminal identification number of a member's terminal device in the member information DB 331, a terminal identification ID, representative terminal information, and the like. The terminal information DB 332 may be stored in being mapped with the member information DB 331 . The meeting category DB 333 according to the present invention may be set based on one of the purpose of the meeting, the field of interest, and the activity details. For example, in the case of a bicycle club that is a sports field, if the main gathering activity is riding a bicycle and driving on a road, the meeting category may be determined as a bicycle club. This can be a social gathering as it is an activity for friendship and physical fitness.

Accordingly, the setting of the group category DB 333 of the group activity may further set friendship, sports, outdoor sports, outdoor activities, exercise, bicycles, cycling, and the like.

The payment approval range DB 334 according to the present invention is set by the terminal device 100 selected from the affiliated store information, and includes affiliated store identification information, affiliated store name, affiliated store address (in case of online site address), It may include one or more of the representative sales items of the affiliated stores and the payment limit. In addition, the payment approval range DB 334 may further include one or more of a payment target region, a payment target industry, and a payment target item.

In addition, the payment approval range DB 334 may set the payment approval range based on the meeting category DB 333 set based on one of the purpose of the meeting, the field of interest, and the activity details.

In addition, the payment approval range DB 334 refers to the affiliate store information DB transmitted by the affiliated store terminal 200 to the service device 300 and stored in the storage module 330 of the service device 300, and the meeting category of meeting members In consideration of this, the terminal device 100 may select and store it in the payment approval range DB.

In this case, the affiliate store information DB may be information including affiliate store identification information, affiliate store name, affiliate store address (site address if online), and affiliate store representative sales items.

The affiliate store identification information may be a unique number of each affiliate store. For example, it may be any one of a phone number of an affiliated store, a business registration number, an affiliated store number, and a code number for affiliate management.

The merchant payment limit of the payment approval information DB may be directly set by a user input in the terminal device 100 .

The payment approval range DB 334 may be classified and managed into an offline category and an online category.

In addition, the payment approval range DB may be registered for affiliate stores and online sites that meet the purpose of the meeting in consideration of a meeting category set based on one of the purpose of the meeting, the field of interest, and the activity details of the members of the meeting.

For example, in relation to a group where people can share their opinions about a book they read after reading a book, the purpose of the meeting, interests, and activities are related to reading, books, etc. Alternatively, it can be designated as 'reading discussion'. In this case, the meeting category may be one or there may be more than one. Now, meeting members can designate a payment approval range based on the meeting category, such as 'reading a book' or 'reading discussion'.

In this case, the payment approval range DB 334 may be classified into an offline category and an online category and managed. For example, the offline category may be set by the terminal device 100 , and the affiliate store terminal 200 may select and set through affiliate store information registered in the service device 300 . That is, the payment approval range DB 334 may set the merchant name to '○○ library, △△ bookstore, □□□ study room' by the terminal device 100, and is registered in the offline category at a later offline meeting. When a payment is requested by visiting a store, the information included in the payment request is checked, and the service device 300 checks the attendance rate of the meeting members and refers to the payment approval range DB, and maps the payment approval range with the merchant information You can check whether the payment conditions are met. Similarly, in the case of the online category, an online site address affiliated with the merchant address may be set as the payment approval range. For example, online bookstore addresses such as www.BOOK○○○○.com and www.aladi○○○.com can be set.

After that, members of a meeting category of 'reading a book' or 'reading discussion' perform an input to apply for payment to purchase a book with a group account through online, and the service device 300 in the affiliated store terminal 200 When the payment request is transmitted to , the service device 300 may refer to the payment approval range DB and map affiliate store information such as an online address where payment is made with the payment approval range DB to check whether a payment condition is satisfied.

The reference attendance DB 335 in the service device 300 according to the embodiment of the present invention may be input from the terminal device 100 and stored in the storage module 330 of the service device 300 .

The reference attendance rate DB 335 is set to prevent fraudulent acts such as the representative member managing the group account embezzling the common funds of the group account. can be used as a means for Meanwhile, the reference attendance DB 335 may be used even in the case of online purchase. When group account payment is used online, a function related to the purchase agreement of a member must be performed, unlike an offline meeting in which attendance is determined by obtaining a distance value from each group member's terminal device to the meeting place. That is, when making an online purchase, when a representative member or all general members requests a payment for an affiliate online site registered in the payment approval DB 334 , the member's terminal device 100 pays the service device 300 . After transmitting the request, the service device 300 may transmit a message regarding the purchase agreement to the terminal device 100 of the members in order to secure the members' consent to the payment request. When the proportion of members responding to the message is calculated and compared with the stored reference attendance rate DB 335 , and the proportion of responding members is greater than or equal to the reference attendance rate DB 335 , payment may be approved.

One reference attendance rate DB 335 according to the present invention can be set so that the reference attendance rate can be applied to all affiliated stores, and two or more can be set to apply different reference attendance rates to each affiliate store.

For example, if the terminal device of the representative member, which is the manager's terminal, sets the standard attendance rate to 80%, an attendance rate of 80% or more or a consent message is received for one or more affiliated stores corresponding to the payment approval range registered in the offline category and the online category. You must then approve the payment. In addition, when the terminal device of the representative member, which is the manager terminal, sets the standard attendance rate differently for one or more affiliated stores corresponding to the payment approval ranges registered in the offline category and the online category, the affiliated store set above each time each affiliate is used Payment can be approved only when an attendance rate greater than or equal to the standard attendance rate corresponding to , or a consent message is received.

The affiliated store information DB 336 according to the present invention performs a function of storing and managing information related to affiliated stores that provide group account payment services, and includes affiliated store identification information, affiliated store name, affiliated store address (site address in case of online), It includes at least one of the affiliated store representative sales items, and may be directly registered in the service device 300 in the affiliated store terminal 200 . Afterwards, if you want to set and use the affiliate store as the payment approval range DB 334 of the specific meeting at a specific meeting, the member's terminal device 100 selects an affiliate store suitable for the meeting category in the affiliate store information DB 336 and approves the payment It can be registered in the range DB 334 . Later, if you want to delete the affiliated store from the payment approval range of the meeting member, the affiliate store may be deleted and the payment approval range DB 334 may be managed.

Now, a procedure for providing a service in the group account payment system according to an embodiment of the present invention will be described.

3 is a diagram illustrating a group account initial registration service procedure according to an embodiment of the present invention.

Referring to FIG. 3 , in steps S101 and S103 , the terminal device 100 and the affiliated store terminal 200 perform membership registration to use the group account payment service in the service device 300 .

In this case, the affiliate store terminal 200 transmits affiliate store information together to the service device 300 and stores the information in the service device 300 . The service device 300 stores and manages registered member information and affiliate store information (S105). At this time, the member information is information including the identification number of the terminal device, member ID, password, member name, gender, date of birth, and the group joined, and the affiliated store information includes the affiliated store identification information, the affiliated store name, the affiliated store address (site address if online) , may be information including at least one of affiliate store representative sales items and affiliate store location information.

Also, the affiliate store information may be stored and managed in the storage module 330 of the service device 300 as the affiliate store information DB 336 .

Thereafter, the terminal device 100 performs a meeting registration procedure in the service device 300 to create a new meeting (S107), and the service device 300 stores the meeting (S109). Thereafter, the service device 300 transmits the affiliated store information registered from the affiliated store terminal 200 to the terminal device 100 ( S111 ). Then, the terminal device 100 receives the affiliated store information, selects an affiliated store suitable for the characteristics of the meeting as an affiliated store to be used later, extracts affiliated store information, designates a payment limit, and stores it as a payment approval range DB.

In addition, the terminal device 100 sets group account information for using the group account payment service together with the payment approval range DB and transmits it to the service device 300 ( S115 ). In this case, the group account information is specific Each member information DB registered for the meeting, the terminal information DB corresponding to the member information, the meeting category DB where you can check the purpose and activity of the specific meeting, and make payment only at the affiliated stores related to the purpose and activity details of the specific meeting For this purpose, it may include at least one of a payment approval range DB including preset affiliate store information and a reference attendance rate DB. When the group account information from the terminal device 100 is transmitted to the service device 300 ( S115 ), the initial setting for providing a service to a specific meeting is completed. Thereafter, the service device 300 may register and store the group account information in the storage module 330 (S117). In addition, the service device 300 may provide meeting information in which the terminal device 100 registers an affiliate meeting the purpose of the meeting to the affiliate store terminal 200 ( S119 ).

Through the step S119, the affiliate store may refer to the member management for the registered meeting information.

Now, a service procedure related to payment approval according to a payment request in a specific meeting will be described.

4 is a diagram illustrating a group account settlement service procedure according to an embodiment of the present invention.

Referring to FIG. 4 , in step S201 , the affiliated store terminal 200 requests payment to the service device 300 , and the service device 300 receives the payment request. At this time, the merchant terminal 200 that has transmitted the payment request receives a payment request input signal from the terminal device 100 and requests a payment to the service device 300 ( S201 ).

The payment request transmits product information together, and the product information includes one or more of the product name, product code, product price, identification information of the selling merchant, merchant name, and merchant address (site address if online) for the product to be paid for. may include

Thereafter, the service device 300 may receive the payment request and check whether a payment condition is satisfied based on the group account information stored in the storage module 330 ( S203 ). In this case, the step of checking whether the payment condition is satisfied is to check the product information received together with the payment request, and register it in the payment approval range DB 334 stored in the storage module 330 of the service device 300 . It can be determined by checking whether there is matching information by referring to the affiliated store information.

In steps S201 and S203, receiving a payment request from the affiliated store terminal 200 to check whether the payment condition is satisfied, and if the payment request meets the payment condition, it is determined that the payment condition is satisfied, It can proceed to the next step.

The service apparatus for group account payment according to an embodiment of the present invention transmits the location information of the terminal apparatus 100 from each terminal apparatus 100 to the service apparatus 300 in step S205 (S205), and FIG. 3 A distance value between each terminal device 100 and the meeting place is calculated by comparing the affiliate store location information stored by the service device 300 with the location information of each of the terminal devices 100 in step S105 ( S207 ).

In addition, it may be determined that the terminal device 100 close to the affiliated store within a certain distance is in the present state (S209). In order to accurately confirm whether the terminal device 100 determined to be in the attendance state in this way attended the meeting place, the service device 300 sends an attendance confirmation message to the terminal device 100 determined as the attendance state to confirm attendance. transmits (S211). In this case, the attendance confirmation message may be provided through a message service such as SMS, MMS, or instant message (IM). In addition, when the user of the terminal device 100 that has received the attendance confirmation message is correct in attending the meeting place, the user may transmit an attendance confirmation response message (S213), and the terminal device receiving the attendance confirmation message even though he did not attend ( 100), a non-attendance confirmation message may be transmitted.

Upon receiving the response message, the service device 300 may confirm the attendance state with respect to the corresponding terminal device 100, and may calculate the meeting attendance rate based on this (S215). In addition, by comparing the calculated meeting attendance rate with the pre-stored reference attendance rate, if the calculated meeting attendance rate is greater than or equal to the reference attendance rate, it is determined that the consent of the members has been obtained in purchasing the product and payment is approved (S217).

The service device 300 that has approved the payment transmits a payment confirmation message indicating that the payment request has been processed to the terminal device 100 (S219).

In addition, the service device 300 transmits the payment result for the payment request to the affiliated store terminal 200 (S221). In this case, the affiliated store terminal 200 may display the payment result through the display unit, and may output a payment receipt.

On the other hand, in step S205, the service device 300 receives the location information of the terminal device 100 of the members of the time zone adjacent to the meeting time based on the meeting time by further confirming the information on the meeting time of the meeting members, , it is possible to obtain a distance value from the meeting place, and calculate the meeting attendance rate.

The service device for group account payment according to another embodiment of the present invention receives all the location information of a plurality of terminal devices of each member of the meeting in step S207, checks the distance between the terminal devices of each member, and the distance It is characterized in that it is determined that the members present within a preset distance range are present.

The following is a flowchart illustrating a method of authorizing payment in a service device in providing a group account payment service according to the present invention.

5 is a flowchart illustrating a method of authorizing payment according to an embodiment of the present invention.

Referring to FIG. 5 , the service device 300 receives group account information of a specific group from the terminal device 100 and registers it in the storage module 330 of the service device 300 ( S301 ). Thereafter, the service device receives a payment request requesting a purchase for a specific product from the affiliated store terminal 200 (S303), checks information on the product requesting purchase included in the payment request, and the product information Whether the payment request satisfies the payment conditions is determined through the process of checking the affiliated store information stored in It can be confirmed (S305).

Here, when the payment request satisfies the payment condition, the service device may perform the step of calculating the meeting attendance rate specifically illustrated in steps S205-S215 of FIG. 4 ( S307 ).

On the other hand, as a result of checking whether the payment condition is satisfied in step S305, if the payment condition is not satisfied, the payment request is processed as payment unapproved (S313), and the service is terminated.

Meanwhile, after calculating the meeting attendance rate, in step S301 , the terminal device 100 compares the standard attendance rate registered in the service device 300 with the meeting attendance rate ( S309 ). As a result of performing the comparison, if the meeting attendance rate is equal to or greater than the reference attendance rate, the payment request satisfies the payment condition and payment is approved (S311). On the other hand, in step S309, if the meeting attendance rate is less than the reference attendance rate, the payment request is processed as payment unapproved (S313), and the service is terminated.

Now, a method for calculating the meeting attendance rate of meeting members according to an embodiment of the present invention will be described.

6 is a flowchart illustrating a method for calculating a meeting attendance rate by a meeting management module of a service device according to an embodiment of the present invention.

Here, each step shown in FIG. 6 will be described in detail with respect to step S307 of FIG. 5 . Referring to FIG. 6 , in step S401 , the service device 300 may receive and store meeting appointment information through the member's terminal device 100 . The meeting appointment information may be information included in the affiliate store information DB, and includes a meeting place and a meeting time. Then, the service device 300 may receive and store the location information value from each terminal device 100 of the meeting members (S403). In this case, the service device 300 may receive and store the location information value of the terminal device 100 of each member only in a time zone adjacent to the meeting time in consideration of the meeting time of the meeting appointment information.

Also, the service device 300 may receive and store the location information of the affiliate store terminal 200 through affiliate store information registered as an affiliate store information DB in the storage module 330 of the service device 300 . As described above, the location information of the meeting members' rendezvous can be confirmed through the location information of the affiliated store terminal 200 .

Thereafter, the location information of each member may be obtained through the terminal device 100 of each member, and a distance value from the meeting place through the affiliate store terminal 200 may be calculated for each member terminal device 100 . (S405). Then, by comparing the calculated distance value with a preset threshold value (S407), if it is smaller than the threshold value, the terminal device may be determined to be in the present state (S409). On the other hand, when the distance value is equal to or greater than the threshold value, the service device may determine that the member of the corresponding terminal device 100 is not present (S419).

The service device 300 according to the present invention may transmit an attendance confirmation message to the terminal device 100 in the attendance state via a network to confirm once again whether the determined attendance status is correct (S411). Each terminal device 100 that has received the attendance confirmation message may transmit whether the attendance confirmation is true to the service device via a network.

The service device 300 according to the present invention checks whether an attendance confirmation response message has been received from the terminal device 100 (S413). When the attendance response message is received from the terminal device 100, a member of the corresponding terminal device 100 is determined to be in the attendance state (S415).

However, when a response message is not received from the terminal device 100 or a non-attendance response message is received, the corresponding terminal device 100 may be determined to be non-attendant ( S419 ).

In the above-described step S415, when the state of the terminal device 100 is determined to be the attending state, the terminal device 100 determined as the attending state is checked, and the ratio of the attending members to the total members is calculated to calculate the meeting attendance rate. Can be (S417).

In addition, by calculating the meeting attendance rate as described above, the cumulative average attendance rate for each member may be calculated based on the meeting attendance rate.

Now, group account information will be described through an example of group account information stored in the storage module 330 of the service device 300 .

7 is a diagram illustrating an example of group account information managed by a service device according to an embodiment of the present invention.

Referring to FIG. 7 , the group account information managed by the service device 300 is to be composed of a member 410 , terminal information 420 , a meeting category 430 , a payment approval range 440 , and a standard attendance rate 450 . can

The member 410 stores the names of members registered in the meeting, and may list the names of all members of the meeting. In the terminal information 420 , terminal identification information of the terminal device 100 corresponding to the member is stored, and a unique number of the terminal device 100 is stored. For example, the terminal identification information may be a phone number of the terminal.

The meeting category 430 may be set based on one of a purpose of a meeting, an area of interest, and an activity history. That is, according to the nature of the meeting, a meeting category may be designated, and one or more meeting categories may be set.

Looking at the meeting category 430 of FIG. 7 , if it is assumed that there is a meeting to ride a bicycle outdoors, the meeting category 430 for this bicycle meeting includes 'friendship, #sports, #outdoor sports, #outdoor activities, #exercise. , #bicycle, #cycle' can be set. In addition, the terminal device 100 may further set a meeting category, and may delete or modify a preset meeting category. In addition, this setting may set the meeting category in the terminal device of the representative member, which is the manager terminal, or each terminal device 100 of the general members. Referring to an example of the payment approval range 440 of FIG. 7 , the payment approval range 440 determines whether the payment request is not an expense that goes against the purpose of the meeting with respect to a payment request received from the terminal device 100 , an illegal purpose It can be set to verify that the funds are not used. To this end, the payment approval range 440 is set in the terminal device 100 of the representative member or general member based on the meeting category set based on one of the purpose of the meeting, the field of interest, and the activity details.

In the setting of the payment approval range 440 according to the above, when the affiliate store joins the service device 300 from the affiliate store terminal 200, the affiliate store information registered in the service device 300 is provided to the terminal device 100, According to the nature of the meeting, the terminal device 100 inquires the affiliate store for payment to be made and sets the payment approval range 440 . The payment approval range 440 may include an online category and an offline category, and may designate an affiliate store to be used offline and a site to be used online.

The setting of the payment approval range 440 is based on the initial setting in the terminal device 100 when registering for a meeting in order to prevent use for illegal purposes, and in order to change such as adding and deleting affiliated stores later, consent of each member is required. can

The initial setting of the payment approval range 440 may be performed in each terminal device 100 of the members. Also, the payment approval range 440 may be inquired from each terminal device 100 of the members. If it is desired to change the payment approval range 440 , a consent message may be transmitted to obtain the members' consent for the change of the payment approval range 440 . If changes are made after initial setting, a change notification message may be sent to members. Through the change notification message, it is possible to prevent the group account from being used for illegal purposes because the payment approval range is changed by a specific member.

The payment approval range 440 according to the present invention may provide the affiliated store recommendation list to the terminal device 100 based on the affiliated store information DB with reference to a preset meeting category 430 . The affiliated store recommendation list, when a meeting category 430 is set in the terminal device 100 of a member of a specific meeting, based on this, referring to the payment approval range contents in another meeting in which a meeting category similar to the meeting category is set based on this A recommendation list may be provided to the terminal device 100 . Then, the terminal device 100 may set the payment approval range 440 of the corresponding meeting from the received recommendation list.

Referring to the merchant address category of the payment approval range 440 in Figure 7, the merchant online site address and general address of www.cyclexxx.com, www.crazycyclexx.com, www.sportsxxx.com, Guro-dong, Guro-gu, Seoul are included. have. When the member of the meeting registers the online affiliate store in the affiliate list of the payment approval range DB, the affiliate store address for the online affiliate store may be registered as a site address. On the other hand, for the offline affiliated store, the address of the actual offline affiliated store may be registered.

As described above, the group account information of the present invention may include a reference attendance rate 450 . The standard attendance rate 450 may be set to prevent the group account representative or manager from using and embezzling for illegal purposes by checking the meeting attendance rate of members when making a payment to the group account. The reference attendance rate 450 calculates the attendance rate by identifying members who have attended the meeting in an offline meeting, and may approve payment only when the attendance rate is equal to or greater than a preset reference attendance rate.

Also, when sending a consent message to members for online payment, receiving a response message indicating agreeing to payment to the consent message, and approving payment according to the ratio of the response message, the standard attendance rate may be applied. .

The standard attendance rate 450 according to the present invention may be set for each affiliate store or may be set to be applied to all affiliate stores by setting one reference attendance rate.

9 is a diagram illustrating an operating environment of an apparatus for group account settlement according to an embodiment of the present invention.

9 and the following description are intended to provide a brief, general description of a suitable computing environment in which the present invention may be implemented. Although not required, the invention may be described in the context of computer-executable instructions, such as program modules, being executed by a computer system. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. Computer executable instructions, associated data structures, and program modules represent examples of program code means for carrying out the acts of the invention disclosed herein.

Referring to FIG. 9 , an exemplary computing system embodying the present invention connects a processing unit 11 , a system memory 12 , and various system components including the system memory 12 to the processing unit 11 . and a computing device in a form including a system bus (10).

The processing unit 11 is capable of executing computer-executable instructions designed to implement aspects of the present invention.

The system bus 10 may be any of several types of bus structures including a local bus, a peripheral bus, and a memory bus or memory controller using any of a variety of bus architectures. The system memory 12 includes a read only memory (ROM) 12a and a random access memory (RAM) 12b. A basic input/output system (BIOS) 13a containing basic routines that help transfer information between components within the computing system, such as during startup, may be stored generally in ROM 12a.

The computing system may comprise storage means, for example a hard disk drive 15 for reading information from or writing information to a hard hard disk, reading information from or writing information to a magnetic disk may include a magnetic disk drive 16 for writing to, and an optical disk drive 17 for reading information from, or writing information to, an optical disk, such as, for example, a CD-ROM or other optical medium. . The hard disk drive 15 , the magnetic disk drive 16 , and the optical disk drive 17 are connected to the system by a hard disk drive interface 18 , a magnetic disk drive-interface 19 , and an optical drive interface 20 , respectively. connected to the bus 10 .

In addition, the computing system may further include an external memory 21 as a storage means. The external memory 21 may be connected to the system bus 10 through the input/output interface 24 .

The drives described above and associated computer readable media read and written by the drives provide non-volatile storage of computer executable instructions, data structures, program modules, and other data. The exemplary environment described herein illustrates hard disk 15, magnetic disk 16, and optical disk 17, but in addition to magnetic cassettes, flash memory cards, DVDs, Bernoulli cartridges, RAM Other tangible computer-readable media for storing data may be used, including , ROM, and the like.

an operating system (13b), one or more application programs (13c), other program modules (13d), and one or more program modules including program data (13c), which are loaded and executed by the processing unit (11) The program code means may be stored in the hard disk 15, magnetic disk 16, optical disk 17, ROM 12a or RAM 12b.

In addition, the computing system may receive commands and information from the user through other input devices 22 such as a keyboard, a pointing device, a microphone, a joystick, a game pad, a scanner, and the like. These input devices 22 may be connected to the processing unit 11 via an input/output interface 24 coupled to the system bus 10 . The input/output interface 24 is a very flexible interface such as, for example, a serial port interface, a PS/2 interface, a parallel port interface, a USB interface, an Institute of Electrical and Electronics Engineers (IEEE) 1394 interface (ie, a FireWire interface). It can logically represent any of a variety of different interfaces, or even a combination of different interfaces.

In addition, the computing system to which the present invention is applied may further include a display device 26 , such as a monitor or LCD, or an audio device 27 , such as a speaker or microphone, which are connected via the video/audio interface 25 . connected to the system bus 10 . Other peripheral output devices (not shown) may also be connected to the computer system 420 , such as, for example, speakers and printers. The video/audio interface unit 25 may include a High Definition Multimedia Interface (HDMI), a Graphics Device Interface (GDI), or the like.

Further, a computing system embodying the present invention is connectable to networks such as, for example, office-wide or enterprise-wide computer networks, home networks, intranets, and/or the Internet. Computer systems may exchange data via such networks with external sources, such as, for example, remote computer systems, remote applications, and/or remote databases.

To this end, the computing system to which the present invention is applied includes a network interface 27 that receives data from and/or transmits data to an external source.

In the present invention, such a computing system may transmit and receive information to and from a device located at a remote location through the network interface 27 . For example, when the computing system means the terminal 100 , information may be transmitted/received to and from the messenger service device 200 through the network interface 27 . On the other hand, when the computing system refers to the messenger service device 200 , information may be transmitted/received to and from the terminal 100 through the network interface 27 . Network interface 27 may represent, for example, a logical combination of one or more software and/or hardware modules, such as a network interface card and a corresponding Network Driver Interface Specification (“NDIS”) stack.

Likewise, the computer system receives data from, or transmits data to, an external source via input/output interface 24 . The input/output interface 24 may be coupled to a modem 23 (eg, a standard modem, cable modem, or digital subscriber line (“DSL”) modem), via which modem 23 an external source It may receive data from and/or transmit data to an external source.

9 illustrates an operating environment suitable for the present invention, the principles of the present invention may be employed in any system capable of implementing the principles of the present invention, with appropriate modifications, if necessary. The environment depicted in FIG. 9 is exemplary only and does not represent a small fraction of the wide variety of environments in which the principles of the present invention may be implemented.

In addition, the account payment program of the present invention and various information generated when the account payment program is executed may be stored and accessed in any computer-readable medium related to the computing system as shown in FIG. 9 . For example, some of these program modules and some of the associated program data, for storage in system memory 12 , may include operating system 13b , application programs 13c , program modules 13d , and/or program data (13e) may be included.

Also, when a mass storage device such as a hard disk is connected to the computing system, such program modules and related program data may be stored in the mass storage device. In a network environment, a program module or a part thereof related to the present invention is connected to a remote computer system connected through a modem 23 or a network interface 25 of the input/output interface 24, for example, a user terminal 100 and a merchant terminal ( 200) in system memory associated with the computing system and/or in a remote memory storage device, such as a mass storage device. Execution of these modules may be performed in a distributed environment as described above.

As described above, while this specification contains numerous specific implementation details, these are not to be construed as limiting as to the scope of any invention or claim, but rather may be specific to particular embodiments of a particular invention. It should be understood as a description of features. Certain features that are described herein in the context of separate embodiments may be implemented in combination in a single embodiment.

Conversely, various features that are described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Furthermore, although features operate in a particular combination and may be initially depicted as claimed as such, one or more features from a claimed combination may in some cases be excluded from the combination, the claimed combination being a sub-combination. or a variant of a sub-combination.

Likewise, although acts are depicted in the figures in a particular order, it should not be construed that all acts shown must be performed or that such acts must be performed in the specific order or sequential order shown to obtain desirable results. In certain cases, multitasking and parallel processing may be advantageous. Further, the separation of the various system components of the above-described embodiments should not be construed as requiring such separation in all embodiments, and the program components and systems described may generally be integrated together into a single software product or packaged into multiple software products. You have to understand that you can.

Certain embodiments of the subject matter described herein have been described. Other embodiments are within the scope of the following claims. For example, acts recited in the claims may be performed in a different order and still achieve desirable results. As an example, the processes depicted in the accompanying drawings do not necessarily require the specific illustrated order or sequential order to achieve desirable results. In certain implementations, multitasking and parallel processing may be advantageous.

The present description sets forth the best mode of the invention, and provides examples to illustrate the invention, and to enable any person skilled in the art to make or use the invention. The specification thus prepared does not limit the present invention to the specific terms presented. Accordingly, although the present invention has been described in detail with reference to the above-described examples, those skilled in the art can make modifications, changes, and modifications to the examples without departing from the scope of the present invention.

Therefore, the scope of the present invention should not be defined by the described embodiments, but should be defined by the claims.

On the other hand, the embodiments of the present invention disclosed in the present specification and drawings are merely presented as specific examples to aid understanding, and are not intended to limit the scope of the present invention. It will be apparent to those of ordinary skill in the art to which the present invention pertains that other modifications based on the technical spirit of the present invention can be implemented in addition to the embodiments disclosed herein.

The present invention relates to a method for providing a group account for preventing embezzlement and an apparatus for the same, in which, in the joint fund management of a group meeting such as a club or social gathering, when the meeting attendance rate is greater than or equal to a preset standard attendance rate, a group for approving payment By providing an account settlement service, this has the effect of preventing the money manager from withdrawing or using funds for negative purposes in advance.

In addition, the present invention is effective in attracting regular members and managing members by setting the payment approval range so that payment is approved according to the nature of the group meeting, so that the nature, purpose, and activity details of the group meeting registered in the affiliated store can be known to be.

This has industrial applicability because it has sufficient potential for marketing or business, as well as to the extent that it can be clearly implemented in reality.

10: group account payment system 100: terminal device
200: merchant terminal 300: service device
310: attendance rate calculation module 320: payment approval module
330: storage module 331: member information DB
332: terminal information DB 333: meeting category DB
334: Payment approval range DB 335: Base attendance rate DB
336: Merchant information DB

Claims (11)

For each group account, one or more of the meeting category set based on one of the member information of the meeting corresponding to each group account, the terminal information of each member, the purpose of the meeting, the field of interest, and the activity history, and the standard attendance rate for payment approval a storage module for storing group account information including;
When a payment request for a specific group account is received, based on the group account information corresponding to the specific group account, the meeting attendance rate calculated for the meeting members corresponding to the specific group account is compared with the reference attendance rate, and the a payment approval module for approving payment when the meeting attendance rate is equal to or greater than the reference attendance rate according to a comparison result; and
a meeting management module for calculating the meeting attendance rate of the meeting members based on the location information of the terminal device of each meeting member corresponding to the specific group account;
The meeting management module checks the meeting place of the meeting members, compares the identified meeting place with the location information of the terminal device of each meeting member, and the location of the terminal device to be compared with the confirmed meeting place is the Group account, characterized in that the meeting attendance rate is calculated by judging the attendance status of each member of the meeting in a manner that determines the meeting member corresponding to the terminal device to be compared as the attendance status when the confirmed meeting place is within a preset distance Service device for payment. delete ◈Claim 3 was abandoned when paying the registration fee.◈ According to claim 1,
The meeting management module compares the location information of the terminal devices of the meeting members, and determines that members existing within a mutually preset distance range are in an attending state. ◈Claim 4 was abandoned when paying the registration fee.◈ 4. The method of claim 3,
wherein the meeting management module further confirms a meeting time, and collects location information of the terminal device based on the confirmed meeting time. delete delete delete For each group account, one or more of the meeting category set based on one of the member information of the meeting corresponding to each group account, the terminal information of each member, the purpose of the meeting, the field of interest, and the activity history, and the standard attendance rate for payment approval storing group account information including;
receiving a payment request for a specific group account;
Based on the group account information corresponding to the specific group account, with respect to the meeting members corresponding to the specific group account, corresponding to the specific group account based on the location information of a plurality of terminal devices respectively corresponding to the meeting members calculating the meeting attendance rate of the meeting members;
comparing the meeting attendance rate calculated based on the group account information with the reference attendance rate; and
approving payment when the meeting attendance rate is equal to or greater than the reference attendance rate according to the comparison result;
includes,
Calculating the meeting attendance rate includes:
checking a meeting place of the meeting members;
comparing the identified meeting place with location information of a terminal device of each meeting member; and
When the location of the confirmed meeting place and the terminal device to be compared is within a preset distance from the confirmed meeting place, the meeting member corresponding to the comparison target terminal device is determined to be the attending state. The service method for group account payment, characterized in that it further comprises; calculating the meeting attendance rate by judging. delete delete delete

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