KR20000030548A - Total banking service using service-point on internet - Google Patents
Total banking service using service-point on internet Download PDFInfo
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
Description
본 발명은 인터넷 상에서 서비스포인트를 이용한 토탈 뱅킹서비스에 관한 것으로, 보다 상세하게는 본 홈페이지에서 제공하는 서비스포인트 뿐만아니라, 온라인 또는 오프라인 상에 산재해 있는 제휴업체에서 제공하는 서비스포인트를 포인트별 기준비율을 정해놓고 상기 기준에 의하여 실제가치 통화로 환전, 통합관리 해주며, 동시에 잔액확인, 전화 요금.휴대폰 요금.통신서비스 이용료 등의 사용자가 부담하는 각종 요금에 대한 자동이체, 서비스포인트 대출 등의 토탈 뱅킹서비스를 제공하는 것이다.The present invention relates to a total banking service using a service point on the Internet, and more specifically, to a service point provided by this homepage, as well as a service point provided by an affiliated company scattered online or offline. Based on the above criteria, currency exchange and integrated management is carried out according to the above criteria.At the same time, a total check such as balance check, telephone charges, mobile phone charges, communication service charges, etc. It is to provide banking service.
최근들어 인터넷 사용자가 급증함에 따라 온라인 상의 서비스포인트 지급업체도 증가하고 있지만, 오프라인 상의 업체들도 회원 확보를 위해 앞다투어 서비스포인트를 지급하고 있다. 그러나 서비스포인트를 적립하여 경품이나 상금을 타기까지는 너무 많은 시간이 소요되고, 워낙 많은 수의 업체들이 난립해 있어서 사용자 개개인이 여러 업체의 서비스포인트를 효율적으로 관리하거나 유효적절하게 사용할 수 있는 방법은 전무한 형편이다.Recently, the number of online service point payers is increasing due to the rapid increase of Internet users, but offline companies are also paying service points to secure membership. However, it takes too much time to earn service points and win prizes or prizes, and there are so many companies that there is no way for individual users to efficiently manage or effectively use service points of various companies. It's bad.
근래에는 마침내 이러한 현실을 반영하여 서비스포인트를 거래하거나 통합관리해주는 업체가 생겨나긴 했지만 이들 역시 단순히 서비스포인트를 모아주거나, 쇼핑시 적립금 만큼 할인해 주는 정도의 서비스에 그치고 있다. 그래서 사용자에게 직접적인 혜택을 제공하지는 못하고 있으며, 여전히 사용자의 불만을 해소하지 못하고 있다는 문제점을 안고 있다.In recent years, companies that finally trade or integrate service points to reflect this reality have emerged, but they are also simply providing services or discounting the amount of savings when shopping. Therefore, it does not provide a direct benefit to the user, and still has a problem that does not resolve the user's complaint.
본 발명의 목적은 상기의 문제점을 해결하기 위하여, 온라인 또는 오프라인 상에 산재해 있는 서비스포인트를 통합관리해줄 뿐만아니라 서비스포인트를 손쉽게 적립할 수 있고, 서비스포인트를 이용하여 사용자에게 직접적인 금전혜택을 제공하는 각종 요금 자동이체 서비스와 서비스포인트 대출 서비스 등의 토탈 뱅킹 서비스를 제공하는 것이다.The purpose of the present invention is to solve the above problems, as well as integrated management of service points scattered on-line or off-line as well as easily earn service points, using the service points to provide direct financial benefits to the user It is to provide a total banking services, such as various rate automatic transfer service and service point loan service.
도 1a, 1b, 1c 및 1d는 본 발명의 바람직한 실시예에 의한 인터넷 상에서 서비스포인트를 이용한 토탈 뱅킹서비스 방법의 흐름도이다.1A, 1B, 1C, and 1D are flowcharts of a total banking service method using a service point on the Internet according to a preferred embodiment of the present invention.
도 2는 인터넷 상의 가상 통장의 잔액확인 화면의 일례이다.2 is an example of a balance check screen of a virtual bankbook on the Internet.
도 3은 자동이체 서비스 이용시 발급되는 입금확인증 화면의 일례이다.3 is an example of a deposit confirmation screen issued when using a direct debit service.
도 4는 서비스포인트 대출 서비스 이용시 발급되는 대출안내문 화면의 일례이다.4 is an example of a loan guide screen issued when using a service point loan service.
상기의 목적을 달성하기 위하여,In order to achieve the above object,
인터넷 상의 홈페이지에서 서비스포인트를 이용한 토탈 뱅킹서비스를 제공하기 위한 방법에 있어서, 본 홈페이지에서 제공하는 서비스포인트와 온라인 또는 오프라인 상에 산재해 있는 제휴업체에서 제공하는 서비스포인트를 통합관리하면서, 실제가치 통화로 환전할 수 있도록 업체간의 포인트별 기준비율을 마련하고, 상기 서비스포인트를 저장 및 환전할 수 있는 데이터베이스를 구축하는 제1단계; 회원으로 등록하고 본 서비스에 접속하면 회원가입축하금이 입금된 인터넷상의 가상통장을 발급하는 제2단계; 본 홈페이지에서 제공하는 서비스포인트를 데이터베이스에 저장하고 실제가치통화로 환전한 후, 본 홈페이지에서 발급하는 인터넷상의 가상통장에 입금시키는 제3단계; 사용자가 제휴업체의 회원으로서 적립해 온 서비스포인트를 본 홈페이지의 데이터베이스로 이송받아 저장하고 실제가치통화로 환전한 후, 본 홈페이지에서 발급하는 인터넷상의 가상통장으로 입금시키는 제4단계; 사용자의 예금적립에 대한 이자를 1개월 단위로 지급한 내역과 대출이자 정산에 대한 내역 및 사용자별 서비스포인트 적립내역 등을 데이터베이스에 저장하고 잔액을 확인시켜주는 제5단계; 사용자가 자동이체 신청시 전화요금 등 사용자가 납부해야할 제 요금들을 적립금 및 이체수수료를 포함한 금액 이내의 신청일 경우 사용자의 자동이체 은행구좌로 송금시키고, 상기 송금내역에 대한 입금확인증을 발급하는 제6단계; 사용자가 대출신청시 신청자의 신용도를 평가하여, 상기 신용평가에 따른 대출한도 범위내에서 서비스포인트를 대출해주고, 상기 대출받은 서비스포인트를 실제가치통화로 환전한 후, 사용자의 인터넷상의 가상통장에 입금시키고 상기 내역에 대한 안내문을 발급하는 제7단계; 및 서비스포인트를 실제가치통화로 환전한 내역, 월간 예금이자 적립내역, 대출금 및 대출이자 정산내역, 자동이체 및 서비스수수료 정산내역 등을 데이터베이스에 저장하고, 최종 잔액을 확인해주는 제8단계를 포함함을 특징으로 하는 인터넷 상에서 서비스포인트를 이용한 토탈 뱅킹서비스 방법이 제공된다.In the method for providing a total banking service using service points on the homepage on the Internet, the service value provided by the homepage and the service points provided by the affiliated companies scattered online or offline, while real value call A first step of preparing a reference ratio for each point so as to exchange money with the company, and a database for storing and exchanging the service points; A second step of issuing a virtual bankbook on the Internet where the membership savings deposit is deposited when registering as a member and accessing the service; A third step of storing the service points provided by the homepage in a database, converting them into real value currencies, and depositing them in a virtual bankbook on the Internet issued by the homepage; A fourth step of transferring, storing, and converting the service points accumulated by the user as a member of the affiliated company into a database of the homepage, converting them into real value currency, and depositing them into a virtual bankbook issued by the homepage; A fifth step of storing the details of payment of interest on deposit of the user on a monthly basis, details of loan interest settlement, and details of earning service points for each user in a database and checking the balance; Step 6 in which the user pays the charges, such as telephone charges, when applying for direct debit, to the user's direct debit bank account in the case of an application within the amount including the reserve and transfer fee, and issues a deposit confirmation for the transfer. ; The user evaluates the applicant's credit level when applying for a loan, loans service points within the loan limit according to the credit rating, converts the loaned service points into a real value currency, and deposits the money in the user's virtual bank account on the Internet. A seventh step of issuing a notice on the details; And an eighth step of storing the details of the exchange of service points into actual value currency, monthly deposit interest accumulation, loan and loan interest settlement, direct debit and service fee settlement, etc., and confirming the final balance. A total banking service method using a service point on the Internet is provided.
이하, 첨부된 도면을 참조하여 본 발명에 의한 인터넷 상에서 서비스포인트를 이용한 토탈 뱅킹서비스의 방법을 상세하게 설명하기로 한다.Hereinafter, a method of total banking service using a service point on the Internet according to the present invention will be described in detail with reference to the accompanying drawings.
도면 1a, 1b, 1c 및 1d는 본 발명의 바람직한 실시예에 의한 인터넷 상에서 서비스포인트를 이용한 토탈 뱅킹서비스 방법의 흐름도이다.1A, 1B, 1C, and 1D are flowcharts of a total banking service method using a service point on the Internet according to a preferred embodiment of the present invention.
본 서비스를 제공하는 홈페이지에는 먼저 본 홈페이지에서 제공하는 서비스포인트와 온라인 또는 오프라인 상의 제휴업체에서 제공하는 서비스포인트를 실제가치통화로 환전할 수 있도록 업체간의 포인트별 기준비율을 마련하고, 상기 서비스포인트를 저장 및 환전할 수 있는 데이터베이스를 구축하여야 한다.On the homepage that provides this service, first, prepare a standard ratio for each point so that the service point provided by this homepage and the service point provided by an online or offline partner can be exchanged for real value currency. A database that can be stored and exchanged should be established.
도 1a에서와 같이, 사용자가 본 홈페이지를 오픈하면 회원등록의 단계를 거치고 서비스포인트 뱅킹서비스에 접속한다. 사용자가 신규회원으로 등록하는 경우 인터넷 상의 가상통장을 발급하고(109단계) 곧바로 회원가입 축하금을 가상통장으로 입금한다.(110단계)As shown in FIG. 1A, when the user opens the homepage, the user accesses the service point banking service through the registration process. When a user registers as a new member, a virtual bankbook is issued on the Internet (step 109), and the member's congratulations are immediately deposited into the virtual bank account (step 110).
그리고 도 1b에서와 같이, 본 홈페이지에서 제공하는 서비스포인트(201단계) 적립내역을 데이터베이스에 저장한 후, 실제가치 통화로 환전하는 단계를 거쳐 가상통장에 입금시키고, 제휴업체에서 적립된 서비스포인트(204단계)도 본 홈페이지의 데이터베이스로 이전.저장하여 실제가치통화로 환전해 주고 가상통장에 입금한다. 이 과정에서 본 홈페이지에서 제공하는 서비스포인트는 즉시 환전.입금되고 제휴업체의 서비스포인트는 최대한 빠른 시간(24시간) 내에 환전되어 입금시켜야 할 것이다. 상기의 과정을 거친 사용자는 본 서비스포인트 뱅킹서비스에서 잔액확인 서비스와 제요금 자동이체서비스 및 서비스포인트 대출 서비스를 제공받을 수 있다.(111단계)And as shown in Figure 1b, after storing the service point (201 step) earning history provided by the homepage in the database, the deposit through the virtual bank pass through the step of converting to the actual value currency, the service points earned from partners ( Step 204) is also transferred to the database of this homepage, converted into a real value currency, and deposited into a virtual bankbook. In this process, service points provided on this website will be exchanged and deposited immediately, and partner service points will be exchanged and deposited as soon as possible (24 hours). The user who has undergone the above process may be provided with a balance check service, an automatic charge transfer service, and a service point loan service in the service point banking service (step 111).
도 1a에서와 같이, 잔액확인 서비스를 선택하는 경우는 데이터베이스에 저장되어 있는 사용자별 서비스포인트 적립내역 및 잔액확인 뿐만아니라 1개월 단위로 지급되는 예금이자 적립내역과 대출이자 정산내역을 디스플레이해 준다.(112-113단계) 잔액확인 서비스를 마치면 다른 서비스에 대한 이용 여부를 확인하고(114단계) 다른 서비스로의 이동 또는 서비스포인트 뱅킹서비스를 종료한다.As shown in FIG. 1A, when the balance check service is selected, not only the service point accumulation and balance check for each user stored in the database is displayed, but also the deposit interest earned and loan interest paid on a monthly basis are displayed. When the balance check service is completed (step 112-113), it is checked whether the service is used for other services (step 114), and the transfer to another service or the service point banking service is terminated.
도 2는 인터넷 상의 가상통장의 잔액확인 화면을 예시한 것이다.Figure 2 illustrates the balance check screen of the virtual bankbook on the Internet.
도 1c는 서비스 선택(111단계)에서 자동이체 서비스를 선택한 경우의 흐름도를 나타낸 것이다.1C is a flowchart illustrating a case where a direct debit service is selected in service selection (step 111).
사용자가 제요금에 대한 자동이체 서비스를 신청하면 자동이체 서비스를 받을 전화요금, 핸드폰 요금, 통신서비스 이용요금 등 제요금의 종류를 입력하고 자동이체시킬 은행명과 계좌번호를 입력한다.(301～303단계) 은행명과 계좌번호를 입력하면 자동이체 한도금액이 화면에 디스플레이된다.(304단계) 다음으로 사용자가 자동이체할 금액을 입력하면 자동이체신청금액이 사용자의 가상통장에 적립되어 있는 금액 및 이용수수료를 공제할 금액의 한도 내인지를 확인한 후(306단계), 한도내 신청일 경우 자동이체할 금액 및 이용 수수료 내역을 확인하고 신청한 금액을 사용자의 은행 자동이체 구좌로 송금한다.(308단계)When the user applies for the direct debit service, enter the type of charge, such as telephone charge, mobile phone charge, and communication service charge, and enter the bank name and account number to be automatically debited. (301 ～ 303 Step) After entering the bank name and account number, the debit limit amount is displayed on the screen. (Step 304) Next, when the user enters the amount to be debited, the debit application amount is stored in the user's virtual account and used. After checking whether the fee is within the limit of the amount to be deducted (step 306), if the application is within the limit, the amount to be debited and the details of the usage fee are checked, and the requested amount is transferred to the user's bank debit account (step 308).
자동이체 구좌로의 송금은 각 은행에서 제공하는 인터넷 뱅킹서비스에 링크시켜서 시행하면 되고, 사전에 은행측과 적절한 협의를 거치면 더욱 효율적으로 이용할 수 있을 것이다. 송금 후에는 입금내역이 기록되어 있는 입금확인증을 발급한다(309단계). 입금확인증 발급 후에는 사용자의 최종 잔액을 확인할 수 있도록 잔액확인 화면을 다시 디스플레이하고(310단계) 다른 서비스 이용여부를 확인한 후 다른 서비스로 이동 또는 서비스포인트 뱅킹 서비스를 종료한다.Remittance to direct debit accounts can be done by linking to the Internet banking service provided by each bank, and can be used more efficiently if appropriate consultation with the bank in advance. After the remittance is issued a deposit confirmation that records the deposit history (step 309). After issuing the deposit confirmation, the balance check screen is displayed again so as to check the user's final balance (step 310). After confirming the use of another service, the user moves to another service or ends the service point banking service.
도 3은 입금확인증의 일례를 나타낸 것이다.3 shows an example of a deposit confirmation certificate.
도 1d는 서비스 선택(111단계)에서 서비스포인트 대출서비스률 선택한 경우의 흐름도를 나타낸 것이다.FIG. 1D is a flowchart illustrating a case where a service point loan service rate is selected in service selection (step 111).
사용자가 서비스포인트 대출서비스를 신청하면 데이터베이스에 저장되어 있는 사용자의 신용등급 및 본 홈페이지 방문횟수, 신용불량 여부 등을 고려한 종합적인 신용도를 평가하여(402단계) 사용자의 신용상태 및 대출한도 금액을 화면에 디스플레이한다.(403단계) 상기 디스플레이된 화면에는 서비스포인트와 실제가치 금액과의 비율이 예시되어 있어 손쉽게 필요한 실제금액만큼의 서비스포인트를 알 수 있게 한다.When the user applies for the service point loan service, the credit rating of the user stored in the database, the number of visits to this website, and the total credit rating are considered in consideration of credit failure (step 402). (Step 403) The displayed screen shows the ratio between the service point and the actual value amount, so that the service point can be easily known as much as the actual amount required.
이어서, 사용자가 대출을 신청할 경우 대출 신청금액이 신청자의 신용도에 적합한 지를 판단하는 대출심사 과정(405단계)을 거치며, 한도 내 신청이면 대출받을 금액 및 대출이자에 대한 내역을 확인하고 신청한 서비스포인트에 대한 대출을 시행하며(406-407단계), 다음으로 대출받은 서비스포인트를 실제금액으로 환산하는 과정을 거친 후 사용자의 가상통장으로 입금된다.(408-409단계)Subsequently, when the user applies for a loan, a loan screening process (step 405) is performed to determine whether the loan application amount is suitable for the applicant's creditworthiness. If the application is within the limit, the service point applied after checking the details of the loan amount and loan interest Loans are issued to the user (steps 406-407), and the loaned service points are then converted into actual amounts, which are then deposited into the user's virtual account (steps 408-409).
대출금이 사용자의 가상통장으로 입금된 후에는 대출에 따른 납입 이자율 및 금액과 상환기일 등에 대한 대출관련 안내문을 발급하고(410단계), 최종적인 잔액을 확인할 수 있는 잔액확인 화면이 재차 디스플레이 되며, 다른 서비스 이용여부를 확인한 후 다른 서비스로의 이동 또는 서비스포인트 뱅킹서비스를 종료한다.After the loan is deposited into the user's virtual bank account, a loan-related notice for payment interest rate, amount and repayment date of the loan is issued (step 410), and the balance confirmation screen for displaying the final balance is displayed again. After checking whether the service is used, the transfer to another service or the service point banking service is terminated.
도 4는 대출안내문의 일례를 나타낸 것이다.Figure 4 shows an example of the loan statement.
그리고, 상기 전체 과정에서 저장된 사용자의 ID, 패스워드, 자동이체 은행명 및 계좌번호 등 사용자에 대한 정보를 데이터베이스에 저장하여 사용자가 재이용시 동일한 내용을 재차 입력하는 수고를 덜수 있도록 입력화면에 디스플레이하는 것도 좋은 방안이 될 것이다. 또한 사용자를 보호하는 철저한 보안시스템을 구축하는 것도 필요할 것이다.In addition, by storing information about the user, such as the user's ID, password, direct debit bank name and account number stored in the database in the entire process, to display on the input screen so that the user can save the trouble of re-entering the same content when reused It would be a good way. It will also be necessary to build a thorough security system to protect users.
한편, 본 발명에서 언급한 데이터베이스 구축, 자동이체 송금 및 보안시스템 등은 기존의 시중에 유포되어 있는 프로그램으로 실행가능하다.On the other hand, the database construction, automatic transfer remittance and security system mentioned in the present invention can be executed by the programs distributed in the existing market.
더불어, 본 발명은 상술한 실시예에 한정되지 않으며, 본 발명의 사상을 해치지 않는 범위 내에서 당업자에 의한 변형이 가능하다. 예를들면, 본 발명의 실시예에서는 타업체와 제휴하여 서비스포인트를 통합관리 및 환전 할 수 있도록 하였으나, 굳이 타업체와의 제휴없이도 본 홈페이지에서 제공하는 서비스포인트만 이용해서도 얼마든지 토탈 뱅킹서비스가 가능하다.In addition, the present invention is not limited to the above-described embodiments, and modifications may be made by those skilled in the art without departing from the spirit of the present invention. For example, in the embodiment of the present invention, it is possible to integrate and manage service points and exchange money in cooperation with other companies, but totally banking service using only the service points provided on this homepage without cooperation with other companies. Is possible.
본 발명에 따르면, 온라인 또는 오프라인 상에 복잡하게 산재해있어서 사용자에게 실제적으로 별반 혜택을 주지 못하고 있는 각종의 서비스포인트를 통합관리하여 효율적으로 이용할 수 있게 해주고, 상기 서비스포인트를 실제금액으로 환전하여 인터넷 상의 가상통장에 입금시켜 놓고 사용자가 부담하는 각종 전화요금, 통신서비스 요금 등의 적지않은 요금들을 자동이체 및 대출 서비스를 이용해 결제할 수 있도록 함으로써 사용자의 피부에 와 닿는 직접적인 금전적 혜택을 제공할 수 있다.According to the present invention, it is possible to efficiently manage and use various types of service points, which are scattered on the online or offline complex and do not actually benefit users, and exchange the service points with the actual amount. Direct payment and payment can be made by direct debit and loan service of various phone charges, communication service charges, etc. paid by the user and by direct debit and loan service. .
또한, 서비스포인트를 이용한 토탈 뱅킹 서비스를 통해 사용자의 신용관리, 대출금 관리 등의 적절하고 합리적인 금융체험을 제공하여 스스로의 신용을 책임질 수 있는 살아있는 금융교육을 경험할 수 있게 한 것이다.In addition, through the total banking service using the service point to provide an appropriate and reasonable financial experience, such as credit management, loan management, etc. of the user to experience a live financial education that can take charge of their credit.
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| KR20020034297A (en) * | 2000-10-31 | 2002-05-09 | 유석열 | System for network-based loan service using a cyber points |
| KR20020054056A (en) * | 2000-12-27 | 2002-07-06 | 이선림 | System and method for exchanging a value of bonus point providing when buying an objects, and method and system for using the exchanged point |
| KR20010025561A (en) * | 2001-01-05 | 2001-04-06 | 남윤오 | A method for exchanging/remitting a electronic cash between point reserve and toll contents/service commerce companies |
| KR20010106149A (en) * | 2001-01-27 | 2001-11-29 | 조정남 | mileage -point total method having loaning function and capable of pre-payment mileage point |
| KR20010035302A (en) * | 2001-02-01 | 2001-05-07 | 박정규 | Method for managing the imagine stock market on the internet |
| KR20020066349A (en) * | 2001-02-09 | 2002-08-16 | 이시영 | Shoppingmall using saved money. |
| KR20020066497A (en) * | 2001-02-12 | 2002-08-19 | 이지용 | a lending method of on-line's cyber account used for a surtax- information of movile |
| KR20010074091A (en) * | 2001-02-14 | 2001-08-04 | 정성희 | Integration money linkage service that integrate mile ridge that scatter on on/off-line |
| KR20020095927A (en) * | 2001-06-18 | 2002-12-28 | 주식회사 오앤이시스템 | Banking service providing method on the electronic commerce through the Internet |
| KR100438997B1 (en) * | 2001-07-24 | 2004-07-03 | 최정우 | Method for supervising a financial property and debt, and recording medium recorded the same method |
| KR20030057845A (en) * | 2001-12-29 | 2003-07-07 | 권은정 | Method of providing mileage point using information network |
| KR20020026490A (en) * | 2002-01-09 | 2002-04-10 | 문병철 | Online and offline point reserve operation management method applying financial transaction system |
| KR20030071287A (en) * | 2002-02-28 | 2003-09-03 | 성기태 | Cyber card, e-business method using the same and system therefor |
| KR20030073917A (en) * | 2002-03-14 | 2003-09-19 | 박민성 | Banking service providing method on the electronic commerce through the Internet |
| KR100853907B1 (en) * | 2007-03-05 | 2008-08-25 | 김창모 | Credit card payment system and its method for discounting credit card charges using management of integrated credit card point |
| WO2009120236A1 (en) * | 2008-03-28 | 2009-10-01 | Rouas Entertainment Group, Inc. | Method and system for instant debit processing |
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