KR20040047063A - Fund reserving system and method thereof - Google Patents

Abstract

PURPOSE: A system and a method for accumulating a fund are provided to accumulate a mileage point generated when the goods or a service is bought, and offer the accumulated mileage point as the fund for various social welfare organizations, religious organizations, and community organizations through the Internet. CONSTITUTION: Member terminals(10a-10n) confirm the mileage point and request the accumulation and the fund transfer confirmation through the Internet. Member shop terminals(12a-12n) request an approval inquiry and the deposit of each member through the Internet. Organization terminals(14a-14n) report the fund operation particulars to the member terminal through the Internet. An accumulation card operating company server(16) transmits an approval result to the member shop terminal, transmits the fund transfer request information, and confirms the transfer to a terminal of an appointed organization. A fund managing bank terminal(18) transfers the accumulation of each member from the member shop to the fund of the appointed organization. The accumulation card operating company reads/writes information to a database(20).

Description

Fund raising system and its method {FUND RESERVING SYSTEM AND METHOD THEREOF}

The present invention relates to a fund raising system and a method thereof, and more particularly, a fund raising system and method for managing the mileage points generated when purchasing a product or service for each member to be accumulated as funds of public organizations or social groups, etc. It is about.

The rapid development of electronic and information communication has made human life more convenient. In particular, due to the development of the Internet, e-commerce has been activated, and it is possible to order desired items through the Internet. However, humanism is gradually lost behind the convenience provided by such information and electronic society.

In our country, the United Nations International Children's Emergency Fund, Green Union, Debris Mission, Korean Life Telephone, Korea Blind Welfare Association, People Helping Neighbors, Welfare Center, Korea Welfare Support Center, Various activities are being carried out to restore humanism and the loss of social welfare organizations and charities such as the Life Sharing Practice, Dail Community, Korean Children's Protection Foundation, Korea Foundation, Korea Salvation Army.

However, since most of these organizations are dependent on donations, it is difficult to operate them in a stable and planned manner. In particular, in an information society where electronic commerce using the Internet is conducted, it is necessary to generate revenue sources in a new way.

The present invention has been proposed in view of the above-described conventional circumstances, and provides mileage points generated when purchasing goods or services as funds of various social welfare organizations, religious groups, social groups, etc. through the Internet. The purpose is to provide a funding system.

Another object of the present invention is to provide a fund accumulation method for earning and providing mileage points generated when purchasing goods or services as funds of various social welfare organizations, religious groups, social groups, etc. through the Internet.

1 is a block diagram of a fund raising system according to an embodiment of the present invention,

2 is an internal configuration diagram of the database shown in FIG.

3 is a conceptual diagram of a fund raising system according to an embodiment of the present invention,

4 is a flowchart illustrating a process of earning points in a fund raising method of the present invention;

5 is a flowchart illustrating a process of making a fund using the points accumulated in the fund raising method of the present invention.

※ Explanation of code for main part of drawing

5: communication network 10a to 10n: member's terminal

12a to 12n: terminals of affiliated stores 14a to 14n: terminals of groups

16: Server of the credit card operating company

18: Terminal of Fund Management Bank

20: database 22: member database

24: Merchant Database 26: Group Database

28: Fund Transfer Database

Funding system according to a preferred embodiment of the present invention in order to achieve the above object, the member's terminal requesting the mileage point confirmation and funding request through a communication network, and requesting the transfer of funds through the communication network; An affiliated store terminal for depositing a request for approval inquiry and deposit for each member through the communication network; A terminal of an organization for reporting a fund operation to the terminal of the member through the communication network; Fund transfer request information based on the fund request information from the terminal of the member inputted through the communication network to the terminal of the affiliated store, the approval result according to the request for approval inquiry from the terminal of the affiliated store through the communication network; Transfer server, server of the credit card operating company to perform a transfer confirmation to the terminal of the designated group; A terminal of a fund management bank for transferring member-specific deposits from the affiliated stores deposited through a communication network to funds of designated organizations based on fund transfer application information from a server of the credit card operating company; And a database in which information is stored and read by the terminal of the fund management bank.

In addition, the fund accumulation method according to an embodiment of the present invention, after the payment is made according to the purchase of goods and the use of the service on-line, after the approval of the fund accumulation mileage card of the payer, the predetermined receipt containing the points is recalled. A first step provided to the payer; A second step of carrying out fund raising by determining a reserve rate for a designated group and a designated group when the payment settlement point is requested and the fund raising request is received; And when the transfer date is characterized in that it comprises a third process of transferring the accumulated funds to the group concerned.

Hereinafter, a fund raising system and a method thereof according to an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram of a fund raising system according to an embodiment of the present invention, and requests for mileage point confirmation and fund raising through a communication network (for example, the Internet, a credit card van network) 5, and the communication network. (5) the terminal 10a to 10n of the member requesting confirmation of the transfer of funds; An affiliated store terminal 12a to 12n for depositing a request for approval inquiry and deposit for each member through the communication network 5; Terminals 14a to 14n for reporting the fund management matters to the terminals 10a to 10n of the member via the communication network 5; The approval result according to the request for approval inquiry from the terminals 12a to 12n of the affiliated store through the communication network 5 is transmitted to the terminals 12a to 12n of the affiliated store, and the inputted through the communication network 5 is performed. On the basis of the fund accumulation request information from the terminal 10a to 10n of the member, the fund transfer application information is transmitted to the terminal 18 of the Fund Management Bank, which will be described later, and an operation of a credit card is performed to confirm the transfer to the terminal of the designated group. Company's server 16; 18 of the Fund Management Bank, which transfers the member-specific reserves from the merchants deposited through the communication network 5 to the funds of the designated group based on the fund transfer application information from the server 16 of the credit card operating company. ); And a database 20 in which information is stored and read by the server 16 of the credit card operating company.

Here, the server 16 of the credit card operating company is to make the same fund or differential fund accumulation for each group.

As shown in FIG. 2, the database 20 includes a member database 22 which stores personal information (eg, name, address, social security number, telephone number, etc.) for each member and mileage point status for each member; An affiliate store database 24 that stores unique information for each affiliate store (eg, business name, address, representative name, phone number, etc.) and reserve deposit status for each affiliate store; A group database 26 that stores group-specific information (eg, group name, address, telephone number, etc.) and a status of receiving funds by group; And a fund delivery database 28 for storing the details of the funds delivered to the group for each member.

3 is a conceptual diagram of a fund raising system according to an embodiment of the present invention, when a funding mileage card is issued to a member by an earning card operating company, the member who issued the funding mileage card may be randomly executed online or offline. Visit the merchant and pay for the product after using the product and using the service. When the funding mileage card is presented, the affiliated store inquires the approval of the funded mileage card presented to the credit card operating company, and the credit card operating company displays the approval result of the funded mileage card in the corresponding merchant. Send to

Accordingly, the affiliated store issues a receipt for which a predetermined point is approved to the member who paid the bill, and the merchant stores the deposit corresponding to the point to the fund management bank. Subsequently, when the credit card operating company requests a point confirmation and fund raising request from the member, the fund transfer application information (information indicating which member wishes to raise funds, and which group the funds are transferred to) is requested. Information to the fund management bank).

Therefore, the fund management bank transfers the accumulated funds to designated organizations when the fund transfer date arrives.

Thereafter, when a member requests confirmation of the transfer of funds to the organization, the organization will report the fund operation to the member.

Such fund raising operation is performed through each terminal and communication network.

Next, with reference to the flowchart of Figure 4 for the points earned during the operation of the fund raising system according to an embodiment of the present invention will be described in more detail.

When a consumer visits a merchant online or offline (step S10) and purchases a product or uses a service and pays the price (step S12), the merchant checks whether the consumer has a funding mileage card. Contact

As a result, when there is no fund mileage card ("No" in step S14), the affiliated store's server 16 of the credit card operating company through the communication network 5 using the terminal (any one of 12a-12n). Ask the customer to issue a card to the consumer. Accordingly, the server 16 of the credit card operating company stores the personal information of the corresponding consumer transmitted from the terminal (one of 12a-12n) of the merchant in the database 20 and stores the consumer as a member. Register and issue a funding mileage card to the member (step S16). Of course, if the consumer does not want to register as a member and issue a funding mileage card, membership registration and card issuance are not made.

On the contrary, if the funded mileage card is present ("Yes" in step S14), the merchant uses the terminal (any one of 12a-12n) to connect to the server 16 of the credit card operating company through the communication network 5. The authorization for the fund accumulation mileage card is inquired (step S18). Accordingly, the server 16 of the credit card operating company recognizes the approval of the card and transmits the approval result to the terminal of the affiliated store (any one of 12a-12n) through the communication network 5, and The server 16 of the credit card operating company approves the appropriate mileage points (step S20) and stores the mileage points of the member in the member database 22 in the database 20.

Then, the affiliated store issues a receipt capable of confirming mileage points to the member (step S22).

This time, the fund accumulation during the operation of the fund accumulation system according to an embodiment of the present invention will be described in more detail with reference to the flowchart of FIG. 5.

When the member inquires (or confirms) the mileage points generated by him (step S30), and then requests funding for the mileage points (step S32), the corresponding fund accumulation request signal is transmitted through the communication network (5). The credit card is transmitted to the server 16 of the operating company.

Accordingly, the server 16 of the credit card operating company checks which group and what earning rate is desired. If there is no designation of the group and the earning rate from the member ("No" in step S34), the credit card operating company If the server 16 of the designated arbitrarily designated group and the reserve rate (step S36), and if there is a group and reserve rate designation from the member ("Yes" in step S34) server (16) of the credit card operating company ) Will be made to the fund management bank accordingly (step S38). That is, if the group and the reserve rate is specified, the server 16 of the card management company stores the information about the designated group and the reserve rate in the group database 26 in the database 20, and the fund transfer application information (which member Information indicating whether the funds are to be deposited, including information indicating to which group the funds are to be transferred) is transmitted to the terminal 18 of the fund management bank through the communication network 5.

Then, the fund management bank judges whether the date of the transfer of funds has arrived and waits for the remittance until the date of transfer of the funds (“No” in step S40) (step S42), and when the transfer of funds arrives (“Yes” in step S40). The fund management bank transfers the accumulated funds to the bank account of the designated organization (step S44).

As described in detail above, according to the present invention, by managing the member's mileage points generated when purchasing goods or services online or offline for each member and by automatically converting and accumulating funds in public or social groups, etc. It is possible to participate in various classes, to solve the inconvenience of the transfer of funds, and to obtain the fund information easily, and there is an advantage of enabling the raising of funds in life.

In terms of the group, it is possible to continuously raise funds, facilitate voluntary participation, minimize fundraising costs, and secure transparency of funding.

On the other hand, the present invention is not limited only to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, the technical idea to which such modifications and variations are also applied to the claims Must see

Claims (5)

A terminal of a member for requesting confirmation of mileage points and a request for fund accumulation through a communication network, and requesting a transfer of funds through the communication network; An affiliated store terminal for depositing a request for approval inquiry and deposit for each member through the communication network; A terminal of an organization for reporting a fund operation to the terminal of the member through the communication network; Fund transfer request information based on the fund request information from the terminal of the member inputted through the communication network to the terminal of the affiliated store, the approval result according to the request for approval inquiry from the terminal of the affiliated store through the communication network; Transfer server, server of the credit card operating company to perform a transfer confirmation to the terminal of the designated group; A terminal of a fund management bank for transferring member-specific deposits from the affiliated stores deposited through a communication network to funds of designated organizations based on fund transfer application information from a server of the credit card operating company; And Fund accumulation system, characterized in that it comprises a database where the information storage and reading by the server of the credit card operating company. The method of claim 1, Fund accumulation system, characterized in that the server of the credit card operating company performs the same or differential fund accumulation for each group. The method of claim 1, The database may include a member database that stores personal information of each member and mileage points of each member; Merchant store database that stores the unique information for each merchant and the deposit amount of deposits by merchants; A group database that stores group-specific information and the status of funds received by groups; And a fund delivery database for storing the details of the funds delivered to the group for each member. A first step of providing the payment account with a predetermined receipt containing the points after the payment for the funding mileage card of the payment provider is made according to the payment for the purchase of the product and the use of the service online; A second step of carrying out fund raising by determining a reserve rate for a designated group and a designated group when the payment settlement point is requested and the fund raising request is received; And And a third process of transferring the accumulated funds to the corresponding organization when the transfer date is reached. The method of claim 4, wherein The funding system, characterized in that the reserve rate for each group is the same or different from each other.