KR200275469Y1 - Apparatus for suppont an allotment payment - Google Patents

Abstract

The present invention relates to a payment settlement support device that can increase sales by reducing the burden of the payment of the subscriber, the server of the agency connected to the Internet to attract subscribers through the Internet for the sale of goods, and the agency A subscriber database connected with the agency's server to store personal information such as a subscriber's name, social security number, address, etc., via the Internet connected to a server of the subscriber, and the product sales of the personal information of the subscriber stored in the subscriber database. It includes an installment information database that is connected to the server of the agency to store the installment information, the agency receives a fee for the subscriber to sign up to the service company, the commission is paid as an installment of the goods provided by the subscriber By paying to the seller, As a result, a predetermined profit can be returned to attract more subscribers, thereby improving sales.

Description

Installment payment support device {Apparatus for suppont an allotment payment}

The present invention relates to an installment payment support device that can attract subscribers by supporting an installment payment to a customer who purchases an article.

In general, when purchasing expensive items, the purchaser enters into an installment agreement with the seller and pays a monthly installment payment with interest to the seller.

Hereinafter, a conventional installment purchase will be described using an installment purchase of a mobile communication terminal as an example.

BRIEF DESCRIPTION OF THE DRAWINGS It is explanatory drawing for demonstrating the 1st Example of the conventional allotment payment.

Referring to FIG. 1, the subscriber 10 enters into an installment agreement of the mobile communication terminal to the mobile communication company 20 and applies for subscription (S1). Accordingly, the mobile telecommunication company 20 provides the mobile communication terminal to the subscriber 10 (S2). The subscriber 10 receives and uses a mobile communication terminal provided from the mobile communication company 20.

Accordingly, the mobile telecommunication company 20 bills the subscriber 10 for an allotment and a telephone usage fee of the mobile communication terminal on a contracted date every month (S3). In this case, the mobile telecommunication company 20 sends a bill to the subscriber 10 through a mail or e-mail, and sends a receipt to the subscriber 10 at the time of automatic transfer. The subscriber 10 pays a fee for an allotment and a telephone charge of the mobile communication terminal billed from the mobile communication company 20 (S4).

Fig. 2 is an explanatory diagram for explaining a second embodiment of the conventional installment payment.

2, the subscriber 10 applies for subscription through the agency 30 (S11). At this time, the subscriber enters into the installment agreement of the mobile communication terminal. Accordingly, the agency 30 provides the subscriber 10 with the mobile communication terminal supplied from the mobile communication company 20 according to the subscription application of the subscriber 10 (S12). And the agency 30 notifies the fact that the subscriber 10 of the subscription to the mobile communication company (20) (S13). The mobile telecommunication company 20 pays a predetermined fee to the agency 30 (S14).

On the other hand, the mobile telecommunication company 20 bills the subscriber 10 a fee including a mobile communication terminal allotment and telephone charges on a contracted date every month (S15). Accordingly, the subscriber 10 pays the billed fee (S16).

As described above, the subscriber pays the installment payments according to the installment agreement to the mobile carrier on the agreed day of each month. A new subscriber wants a new model of a mobile communication terminal, but the subscriber of the new model is reluctant to subscribe because the terminal is relatively expensive.

In addition, existing subscribers were also burdened with expensive terminal payments when their terminals were broken, obsolete, or replaced with new models. To this end, mobile carriers offer discounts through events such as trade-in sales, but because the benefits are insignificant, an expensive allotment of the terminal as described above is an obstacle to increasing subscribers.

Accordingly, an object of the present invention is to provide an installment payment support apparatus that can increase sales by reducing an installment burden of a subscriber.

1 is an explanatory diagram for explaining a first embodiment of a conventional allotment payment method.

2 is an explanatory diagram for explaining a second embodiment of the conventional allotment payment method.

Figure 3 is a block diagram for explaining the configuration of payment support support according to the present invention.

4 is a flowchart illustrating a payment support method according to the present invention.

5 is a detailed flowchart illustrating the allotment support method according to the present invention.

* Description of the symbols for the main parts of the drawings *

100: Subscriber 200: Agency

210: agency server 220: subscriber database

230: installment information database 300: credit card company

310: credit card company server 320: subscriber database

400: mobile carrier 410: mobile carrier server

420: Subscriber database 430: Billing database

500: financial institution 600: Internet

The allotment payment support apparatus according to the present invention for achieving the above object, the server of the agency connected to the Internet to attract subscribers through the Internet for the sale of goods, and the Internet connected to the server of the agency Through the subscriber database to store personal information such as the name, social security number, address of the subscriber through the server of the agency, and the installment information of the sale of goods for the personal information of the subscriber stored in the subscriber database And an installment information database connected to the server of the agency.

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

3 is a block diagram illustrating a configuration according to the present invention.

Referring to FIG. 3, the subscriber 100 applies for subscription by accessing the agency server 210 through the Internet 600 or directly visits the agency 200 to apply for subscription. The agency server 210 is connected to a subscriber database 220 for storing personal information such as a subscriber's name, social security number, address, etc., and an installment information database 230 for storing installment information contracted by the subscriber.

Meanwhile, the subscription application received by the agency 200 is notified to the mobile communication company 400, and the agency server 210 transmits the subscription application information to the mobile communication company server 410 through the Internet 600. In this case, the agency 200 may notify the subscription information to the mobile communication company 400 through facsimile or mail.

In addition, a credit card company server 310 of a credit card company 300 is connected to the Internet 600 for issuing a credit card of the subscriber 100, and the credit card company server 310 stores a subscriber database 320 storing information of the subscriber. ) Is connected. In addition, the Internet 600 is connected to a financial institution 500 for financial transactions of each company.

4 is a flowchart illustrating an installment support method according to the present invention;

Referring to FIG. 4, the mobile communication company 400 supplies the mobile communication terminal to the agency 200 (S110). The agency 200 recruits the subscribers 100 on behalf of the mobile communication company 400. Subscriber 100 applies for subscription to the agency (S120). At this time, the subscriber 100 connects to the agency server 210 through the Internet 600 and applies for subscription.

Accordingly, the agency server 210 stores personal information such as subscription application information input by the subscriber, name, resident registration number, address, etc. in the subscriber server database 220 and stores installment agreement information in the installment information database 230. In this case, the subscriber 100 may directly visit the agency 200 and apply for subscription. In this case, the information according to the subscription application is stored in the subscriber database 220 and the installment information database 230.

In accordance with the subscription application, the agency 200 provides the subscriber 100 with a mobile communication terminal (S30). In addition, the agency 200 notifies the subscriber 100 of the subscription information to the mobile communication company 400 (S140).

The mobile communication company 400 stores the information of the subscriber 100 in the subscriber database 420. In addition, the mobile communication company 400 stores the charging information of the subscriber 100 in the charging database 430. At this time, the billing information includes the payment information and the telephone bill information of the subscriber (100). The mobile communication company 400 bills the subscriber 100 for a telephone fee including an installment payment according to the information stored in the subscriber database 420 and the charging database 430 (S150).

In accordance with the above billing, the subscriber 100 pays a fee to the mobile communication company 400 (S160). The subscriber 100 pays through the financial institution 500 to pay a fee to the mobile carrier 400 or from the account of the subscriber 100 opened in the financial institution 500 to the account of the mobile carrier 400. You can pay by direct debit.

Meanwhile, the agency 200 supports an installment payment that the subscriber 100 pays to the mobile communication company 400 (S200).

Hereinafter, the step (S200) will be described in detail.

5 is a detailed flowchart illustrating a payment support method according to the present invention.

Referring to Figure 5, the agency 200 sends a credit card subscription application to the subscriber 100 (S210). The agency 200 transmits the credit card subscription application via the Internet 600 to the e-mail registered by the subscriber 100 or through the general mail. At this time, the sending method includes a sending method through visit and facsimile.

The subscriber 100 creates a credit card subscription application sent by the agency 200 and sends it to the agency 200 by e-mail or mail (S220). At this time, the subscriber 100 may fill in the agency 200 information in the completed credit card subscription application and send it to the credit card company 300.

The agency 200 notifies the credit card company server 310 of the credit card company 300 received the credit card subscription application sent by the subscriber 100 through the Internet 600 (S230). Accordingly, the credit card company 300 stores the received information in the subscriber database (320). And the credit card company 300 examines the credit card subscription application in accordance with the received information (S240). And the credit card company 300 notifies the agency 200 of the result of the examination (S250).

The agency 200 notifies the subscriber 100 of the examination result notified by the credit card company 300 (S260). At this time, the agency 200 transmits the examination result to the mobile communication terminal of the subscriber 100 using the SMS service. At this time, the transmission method of the audit result includes a method through electronic mail, general mail or other communication means.

And the credit card company 300 issues a credit card and sends it to the subscriber 100 (S270). In addition, the credit card company 300 pays the agency 200 a fee for issuing a credit card (S280).

Meanwhile, the agency 200 transfers a predetermined amount to the account of the mobile communication service provider 400 established at the financial institution 500 after receiving the fee from the credit card company 300, thereby allowing the subscriber 100 to transfer the mobile service provider 400 to the account. Support the installment payment to pay (S290).

Accordingly, the mobile communication company 400 notifies the subscriber 100 of the information about the allotment paid by the agency 200 (S300).

As described above in detail, according to the installment payment support apparatus according to the present invention, the agency pays the proceeds obtained through a separate event, such as a credit card reception agency, at the time of sale of the goods as an installment payment by the subscriber, Profit can be turned around, attracting more subscribers and thus improving sales.

Claims (4)

An agency server connected to the Internet to maintain subscribers over the Internet for the sale of goods; A subscriber database connected to the server of the agency so as to store personal information such as the name, resident registration number, and address of the subscriber through the Internet connected to the server of the agency; An installment payment support apparatus, comprising: an installment information database connected to the server of the agency so as to store installment information of the sale of goods for the personal information of the subscriber stored in the subscriber database. delete delete delete