KR20140067205A - Online sponsor system and method using of a mobile device - Google Patents

Abstract

The present invention relates to a sponsor system. According to the sponsor system, a sponsor target recognizing unit issued through a financial institution such as a bank, a credit card company, or the like, in which a bank account associated with the sponsor target recognizing unit can be opened, is scanned or directly inputted to perform payment to provide a certain amount of support fund for a corresponding sponsor target, thus enhancing user convenience. A sponsor can describe communication information during a sponsor process to communicate with a sponsor target.

Description

[0001] The present invention relates to an online sponsoring system and method using a mobile terminal,

The present invention relates to an on-line sponsoring system and method using a mobile terminal, and more particularly, to a system and method for online sponsorship using a mobile terminal, which comprises a support person recognizing means and a financial institution or system such as a bank or credit card company capable of opening an account linked to the recognizing means The present invention relates to a technique for improving convenience and economy by allowing a sponsor object recognizing means issued through a service subject to scan or directly enter a micropayment settlement process and automatically provide a predetermined amount of sponsorship to the sponsor object.

The latest mobile communication devices equipped with a high-performance process, including a smart phone or a tablet PC capable of wireless Internet, are widely spread to individuals. As a result, beyond the limitations of existing mobile communication devices, which were the main functions of existing telephone calls or text transmission / reception, users of the latest mobile communication devices can use various applications installed in mobile communication devices to perform high performance tasks May be performed using a mobile communication device. In addition, with the development of user input means for mobile communication devices such as touch pads and touch screens, the user can easily use the mobile communication device through an intuitive operation method of the user input means. Accordingly, the application range of the mobile communication device is widening through the application of the mobile communication device.

On the other hand, interest in sponsorship culture is increasing recently.

As people's living standards have increased, they have become increasingly more interested in spending for their own political and religious beliefs and for spending to care for their neighbors. This gives us even more power to spread the sponsorship culture.

If you are sponsoring a political party or a political party for a political belief, or if you are sponsoring a religious organization, you are sponsoring it directly to the politician, political party or religious organization.

However, in order to sponsor a sponsor, it is necessary to search for the object to be sponsored, to inquire the account number of the sponsor who has searched for it, to send the donation money by visiting the bank or using online banking, The process was cumbersome. In addition, communication channels between donors and supporters are also separated, making communication between supporters and supporters difficult.

A description of a conventional support system is disclosed in Korean Patent Publication No. 2011-0038469. The conventional sponsoring system has not been able to simplify the sponsoring process for the sponsor's convenience, nor provide the communication function between the sponsor and sponsor, regarding the method of managing the sponsoring account.

Therefore, there is a need for a technique that can simplify the sponsorship process and facilitate communication between the sponsor and sponsor through the sponsorship process.

Korea Patent Publication No. 2011-0038469 (published on April 14, 2011)

SUMMARY OF THE INVENTION It is an object of the present invention to provide an online support system and method using a mobile terminal.

Specifically, the present invention is characterized in that a sponsor object recognizing means, a financial institution such as a bank or a credit card company capable of opening an account linked to the recognition means, or a sponsor object recognizing means issued through a service subject operating the system is scanned And to provide a sponsoring system and method in which a small amount of settlement processing is performed to automatically input a predetermined amount of sponsorship to the sponsored person.

To achieve the above object, according to a preferred embodiment of the present invention, there is provided a method for providing a sponsored payment request, comprising: receiving a sponsored payment request signal including at least one of sponsored person information or recognition means information; Confirming a payment account of the sponsoring person using the sponsored person information or the recognition means information; And a step of allowing the sponsor to settle the amount corresponding to the amount information included in the sponsored payment request signal through the payment means selected by the sponsor to the sponsor's payment account .

Preferably, the step of reporting the payment history to the sponsored person when the settlement based on the sponsored payment request signal is completed, the step of reporting the payment details to the sponsored person includes: Or reports the number of times of completion of payment to the sponsor management server whenever the number of times of completion of payment is equal to or greater than a preset number.

Preferably, when the sponsor's message is included in the sponsored payment request signal, reporting the sponsor's message to the sponsored person may include providing the sponsored service to the sponsored management server.

Preferably, the sponsor management server further includes a step of transmitting the audit message to the sponsor when the sponsor receives the audit message to be transmitted from the sponsor to the sponsor after the settlement according to the sponsor payment request signal is completed. And a method of providing the service.

Storing the communication information for the sponsored person when the sponsored payment request signal includes communication information for communicating with the sponsored person; And analyzing the communication information and reporting the sponsored person or the sponsored person as a group to which the sponsored person belongs, to the sponsored management server.

Preferably, the step of receiving the sponsored payment request signal includes receiving a sponsored payment request signal generated through a sponsored application installed in the portable terminal, or receiving the sponsored payment request signal generated through a mobile website or a web site And a method of providing sponsorship services at the sponsorship management server.

Preferably, the method further includes a step of generating the recognition means, which is unique information matched with the payment account of the sponsored person, prior to the step of receiving the sponsored payment request signal. do.

Preferably, the recognizing means includes two-dimensional data such as a barcode or a QR code, a numeric code including a mobile phone number, a character code, three-dimensional data, Near Field Communication (NFC) And a Radio Frequency Identification (RFID) method.

Preferably, the payment means includes at least one of a mobile phone settlement service, a credit card service, an electronic wallet settlement service, a money transfer service, and a point settlement service.

Preferably, the step of allowing the amount corresponding to the amount information to be settled to the settlement account of the sponsored person may include: when the sponsored upper limit amount is set in advance, if the amount corresponding to the amount information exceeds the sponsored upper limit amount, And outputting the upper limit amount of the sponsorship to the sponsor and notifying that the sponsorship settlement has failed.

Meanwhile, the present invention includes: acquiring at least one of sponsorship information or recognition means information; Receiving amount information corresponding to a tip from a sponsor; Determining a payment means from the sponsor; Generating a sponsored payment request signal including at least one of the sponsored person information or the recognition means information, the amount information, and the determined payment means; Transmitting the sponsored payment request signal to the sponsoring management server; And a step of paying an amount corresponding to the amount information according to the determined payment means.

Preferably, the recognizing means includes two-dimensional data such as a barcode or a QR code, a numeric code including a mobile phone number, a character code, three-dimensional data, Near Field Communication (NFC) And a Radio Frequency Identification (RFID).

Preferably, the step of acquiring at least one of the sponsored person information or the recognition means information comprises the steps of: (a) receiving at least one of the sponsored person information and the recognition means information by scanning the recognition means through a scanning device included in the portable terminal, Method.

Preferably, the method further comprises receiving a message of the sponsor to be transmitted to the sponsored person, wherein the step of generating the sponsored payment request signal includes a step of, when generating the sponsored payment request signal, And a method of providing sponsorship services in a sponsoring application to be created.

Preferably, the method further comprises receiving communication information, which is a message to be transmitted to the sponsored subject, wherein the step of generating the sponsored payment request signal comprises the step of, when generating the sponsored payment request signal, And providing sponsorship services in a sponsoring application that is created by the user.

Preferably, the sponsored application may be installed in a portable terminal, or may be provided in the form of a mobile website or a web site.

Preferably, the method further includes a step of outputting the audit message upon receipt of the audit message generated by the sponsoring entity from the sponsoring management server after the step of payment of the amount, to thereby provide a sponsoring service in the sponsoring application .

Meanwhile, the present invention provides a mobile terminal that scans or receives information of a sponsored person recognizing means and generates a sponsored settlement request signal so as to automatically transfer a predetermined sponsored amount to an account of a specific sponsored person matched with the recognition means information; And a sponsor for registering the recognition means information, managing the account of the sponsored person corresponding to the recognition means information, and transferring the predetermined sponsored amount to the account of the sponsored person through the payment means in accordance with the sponsored payment request signal And an online support system using a mobile terminal including a management server.

Preferably, the sponsoring management server includes an online sponsoring system using a mobile terminal that classifies and manages the recognizing means information for each organization to which the sponsorship target belongs.

Preferably, the sponsorship management server includes an online sponsoring system using a mobile terminal that receives and manages communication information for communicating between the sponsor and the sponsor from the mobile terminal.

Preferably, the recognition means includes an on-line support system using a mobile terminal that is generated and issued by the sponsorship management server or is generated and issued by a financial server that manages the sponsor's account.

Meanwhile, the present invention may include a receiving unit for receiving a sponsored payment request signal including at least one of sponsored person information or recognition means information; An analysis unit for confirming a payment account of the sponsored person using the sponsored person information or the recognition means information and confirming the amount information included in the sponsored payment request signal and the payment means selected by the sponsor; And a payment agent for allowing the amount corresponding to the amount information to be paid to the sponsor's payment account through the payment means.

Preferably, a sponsoring management server for providing a sponsoring service further includes a recognition means generation management unit for generating recognition means for matching the information on the sponsored person and managing the information.

Preferably, the sponsorship management server further includes a communication information management unit for managing communication information for communication between the sponsor and the sponsored person.

The online sponsoring system and the method using the mobile terminal according to the present invention can acquire the information of the sponsored person recognizing means through scanning or the like and automatically transfer the predetermined sponsored amount to the account of the specific sponsored person matched with the recognizing means information It is possible to simplify the process of sponsoring, and when the donation amount is transferred, communication between the sponsor and sponsor can be made by adding a sponsor message.

1 is a block diagram showing a schematic configuration of an online sponsoring system using a mobile terminal according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating a state of recognizing a recognition means through an online support system using a mobile terminal according to an embodiment of the present invention; FIG.
FIG. 3 is a diagram illustrating a sponsorship process state through an online sponsoring system using a mobile terminal according to an embodiment of the present invention; FIG.
4 is a diagram illustrating a state of issuing recognition means through an online support system using a mobile terminal according to an embodiment of the present invention;
5 is a block diagram illustrating a configuration of a sponsorship management server included in an online sponsorship system using a mobile terminal according to an embodiment of the present invention.
6 is a flow chart schematically showing a sponsorship process through an online sponsoring system using a mobile terminal according to an embodiment of the present invention;
7 is a flow chart illustrating a process of issuing a recognition means of an online sponsoring system using a mobile terminal according to an embodiment of the present invention;
8 is a flow chart illustrating a process of confirming recognition means information through an online support system using a mobile terminal according to an embodiment of the present invention;
FIG. 9 is a flow chart specifically showing a sponsorship process.

Other objects and features of the present invention will become apparent from the following description of embodiments with reference to the accompanying drawings.

Preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

However, the present invention is not limited to or limited by the embodiments. Like reference symbols in the drawings denote like elements.

Hereinafter, an online support system and method using a mobile terminal according to an embodiment of the present invention will be described in detail with reference to FIGS. 1 to 9.

FIG. 1 is a block diagram showing a schematic configuration of an on-line sponsoring system using a mobile terminal according to an embodiment of the present invention. FIG. 2 is a view showing a recognition means through an on-line sponsoring system using a mobile terminal according to an embodiment of the present invention FIG. 3 is a diagram illustrating a sponsorship process state through an online sponsoring system using a mobile terminal according to an embodiment of the present invention. FIG. 4 is a view illustrating a state And a recognition system issuing state through a sponsoring system.

The online support system using the sponsoring management server and the mobile terminal providing the sponsoring service according to the embodiment of the present invention, and the sponsoring application, can be provided with the support person recognizing means, and an account linked to the recognizing means The user can scan or directly input the sponsored person recognizing means issued through a financial institution such as a bank or a credit card company to perform a micro settlement process and automatically provide a predetermined tip to the sponsored person, thereby improving convenience and economy Systems, servers and applications.

More specifically, the online sponsoring system using the mobile terminal according to an embodiment of the present invention scans or receives information of the sponsored person recognizing means and automatically transfers a predetermined sponsored amount to an account of a specific sponsored person matched with the recognizing means information A mobile terminal (4) for generating a sponsorship settlement request signal; And a sponsor for registering the recognition means information, managing the account of the sponsored person corresponding to the recognition means information, and transferring the predetermined sponsored amount to the account of the sponsored person through the payment means in accordance with the sponsored payment request signal And a management server 16.

At this time, the mobile terminal 4 is preferably an LTE 4th generation smartphone capable of WIFI capable of transmitting and receiving data at a high speed and capable of processing a large capacity, but a portable tablet PC or a tablet pad such as an iPad is also possible.

In addition, the sponsored person recognizing means (2) is a means for recognizing the sponsored person by means of a support such as a politician, a political party, a religious group, a love affair, a poor neighbor, a poor child, a disabled child, Dimensional data such as a barcode or a QR code, a numeric code including a mobile phone number, and the like, as information for identifying the target person, and at the same time, the account of the sponsored person is matched or included as hidden information. , Character codes, three-dimensional data, Near Field Communication (NFC), and Radio Frequency Identification (RFID).

At this time, the sponsor is an individual who includes a love affair, a poor neighbor, a poor child, a disabled child, a boy and a girl, a lonely elderly, a love affair, a poor neighbor, a poor child, Group, orphanage, and dating agency. It is also possible to have a child who welcomes a stone, an elder sister who welcomes the seventh line order, a bride or groom who is married, or a funeral service recipient And there are no special restrictions on the subject.

4, the sponsored object recognizing means 2 recognizes the sponsored object recognizing means 2 as unique information matching the unique invoice 110, the business card 120, The election poster 130, or any of various printed materials.

The sponsored person recognizing means 2 may be printed together with the recognizing means 132 of the group to which the sponsored person belongs as shown in the election poster 130, 2 along with photographic information 112, 134 around it.

In addition, the on-line sponsoring system using the mobile terminal according to the embodiment of the present invention includes a financial server 6 for opening an account of a sponsor and issuing and processing information on the sponsor identification means matching with the account, The financial server 6 may include a bank server 8 or a credit card company server 10.

The sponsored person recognizing means 2 may be issued by the financial institution but may be issued by the sponsoring management server 16 and even if the financial institution can issue the sponsored person recognizing means 2 , The registration of the sponsor identification means 2 and the information management thereof are performed by the sponsorship management server 16 and the sponsorship management server 16 also processes the payment agency processing.

Meanwhile, the sponsorship management server 16 included in the on-line sponsoring system using the mobile terminal according to the embodiment of the present invention classifies the information management and sorting of the sponsorship object recognizing means 2 into groups .

The sponsorship payment processing in the online sponsoring system using the mobile terminal according to the embodiment of the present invention may be processed by covering various payment means or methods, and the sponsorship management server 16 performs the payment agency processing, It is also possible to construct the system so that the sponsorship management server 16 does not participate in the settlement processing and is included in the gist of the present invention.

More specifically, an online sponsoring system using a mobile terminal according to an embodiment of the present invention allows a user who has been provided with a service to transfer various cards including a credit card, a money transfer, a micropayment, a point payment The sponsor management server 16 is associated with the financial server 6 including the bank server 8 and the credit card company server 10 .

The sponsorship management server 16 is associated with the mobile phone settlement server 12 and the mobile communication company server 14 when the user selects the mobile phone settlement processing. For example, it is a server built in a known company such as " DANLAR ", and the billing fee is included in the billing charge of the cellular phone charged at a later time, so that the billing fee is transmitted to the mobile communication company server 14 do.

In addition, the mobile terminal 4 included in the online support system using the mobile terminal according to the embodiment of the present invention inputs the sponsored person identification means 2 For example, the sponsoring application 40 outputs a main screen 20 as shown in FIG. 2 when the sponsoring application 40 is driven.

The sponsored person recognizing means 2 is displayed on the main screen 20 of the sponsoring application 40 and the information included in the sponsored person recognizing means 2 can be directly confirmed by the issuer A password input field 22 for authenticating the user and an input window 28 for inputting an amount of money, each of which is provided with a sponsor execution button 24 and a cancel button 26, respectively.

That is, the sponsored person can confirm whether the sponsored person recognizing means 2 exactly matches his / her account through inputting a password. In order to protect privacy or personal financial information, it is desirable that some accounts are unreadable .

On the other hand, it is also possible to set not to confirm the account information even for the sponsored person. Preferably, when the sponsoring process is performed, it is preferable that the sponsorship process information is transmitted to the mobile terminal of the sponsorship target so that they can be confirmed.

In addition, there is an area in the main screen 20 of the sponsoring application 40 in which additional communication information 54 can be further inputted or selected. The communication information 54 is used for communication between the sponsor and the sponsor For communication purposes, the sponsor may list the message to be donated to the sponsor or a variety of assessments of the sponsor. For example, when the sponsor is a politician, the policy evaluation field 31a, the party evaluation field 31b, and the sponsor message field 31c may be included. A completion button 30 may be provided below the communication information 54. [

Communication information inputted or selected through the policy evaluation field 31a, the party evaluation field 31b, and the sponsor message input field 31c is transmitted to and managed by the sponsorship management server 16, You can sort.

In addition, when the sponsoring process is completed, the sponsoring management server 16 reports the payment details through other means such as e-mail, short message, multimedia message, etc. of the sponsored person registered in advance, The reporting cycle can be reported every time the payment is completed, or it can be reported whenever the number of completed payments is more than a preset number of times.

If the sponsor's message is included in the sponsored payment request signal at the time of reporting the payment history, the sponsoring management server 16 may report the sponsor's message to the sponsored person, And if the sponsor receives the audit message to be transmitted from the sponsor to the sponsor after the settlement is completed, it is also possible to process the audit message to the sponsor.

Meanwhile, when the sponsorship management server 16 includes the communication information in the sponsored payment request signal, the sponsorship management server 16 stores the communication information, analyzes the communication information, and reports the sponsored person or the sponsored person as a group to which the sponsored person belongs do.

In addition, the sponsor who sponsors the sponsored person can request sponsorship processing through the sponsoring application 40, and the amount to be provided as a sponsor can be set in advance, and can be input at each time when the sponsorship processing signal is generated.

Meanwhile, when the sponsored amount is set in advance through the sponsoring application 40 or when the sponsored amount is inputted every time, the upper limit amount can be set in advance. If the sponsored amount is exceeded, The server 16 proceeds to the settlement processing.

At this time, when the sponsor application 40 installed in the mobile terminal 4 generates the payment processing request information 48 or the micropayment request information 46, the sponsoring application server 40 informs the sponsoring management server 16 The sponsor management server 16 provides automatic communication between the sponsor and the sponsored person, and the communication information is transmitted to the sponsored person or the group to which the sponsored person belongs It can be used as an evaluation material.

In addition, the sponsorship management server 16 may provide the number of times the sponsoring person has been sponsored, the amount received as sponsorship, or the like so that the sponsoring person can refer to the communication information to the group leader to which the sponsoring recipient belongs or the user considering sponsorship . At this time, the number of sponsored or sponsored money may be renewed by a certain period of time.

On the other hand, in the online sponsoring system using the mobile terminal according to the embodiment of the present invention, in addition to the small-amount settlement of the mobile phone, the sponsor group payment web page 50, You may.

The sponsoring application 40 extracts the sponsor information 42 by inputting the tip money amount information through the sponsor information recognizing means 2 and transmits information on the transfer destination information such as the address 44 of the specific server Is stored in advance and automatically transmits the sponsoring information 42 to the address 44 of the server, and the server address is the address of the server that processes the micropayment.

5 is a block diagram illustrating a configuration of a sponsorship management server included in an online sponsorship system using a mobile terminal according to an embodiment of the present invention.

The sponsorship management server 16 included in the on-line sponsoring system using the mobile terminal according to the embodiment of the present invention includes a receiver for receiving a sponsorship payment request signal including at least one of sponsor information or recognition means information (74); An analyzer 76 for confirming a payment account of the sponsored person using the sponsored person information or the recognition means information, confirming the amount information included in the sponsored payment request signal and the payment means selected by the sponsor; And a settlement substitution unit (80) for making the amount corresponding to the amount information to be settled in the settlement account of the sponsorship target through the settlement means.

In addition, the sponsorship management server 16 includes a recognition means generation management unit 78 for generating recognition means for matching the information on the sponsored person and managing the information; And a communication information management unit 82 for managing communication information for communicating with the sponsored person or the group to which the sponsored person belongs.

The sponsoring management server 16 includes a receiving unit 74, an analyzing unit 76, a recognizing unit generating management unit 78, a payment substituting unit 80, a communication information managing unit 82, And a control unit (86) for controlling the driving and processing of the data storage unit (86). The recognition unit, the sponsor information and the account information are linked and stored, and the group information and communication information And a data storage unit 84 for storing data.

The functions and the functions of the online support system using the mobile terminal according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 6 is a flow chart schematically illustrating a sponsorship process through an online sponsoring system using a mobile terminal according to an embodiment of the present invention.

First, an online sponsoring system using a mobile terminal according to an embodiment of the present invention is configured to link a recognition means of a sponsored person who requests a tip payment to a financial institution or a sponsoring management server (16).

In this state, the sponsorship management server 16 determines whether a sponsored payment request signal including at least one of the sponsored person information or the recognition means information is received, and if so, uses the sponsored person information or the recognition means information And confirm the payment account of the sponsor.

Then, the sponsoring management server 16 performs proxy processing so that the amount corresponding to the amount information included in the sponsored payment request signal is paid through the payment means selected by the sponsor, to the payment account of the sponsored person.

Next, the sponsoring management server 16 reports the payment details to the sponsored person. As described above, the sponsoring management server 16 notifies the sponsored person in various ways such as a short message, a multimedia message, an e-mail, an ARS It is possible to report it as.

Then, the sponsorship management server 16 manages additional information, for example, communication information, and can classify the sponsor information by the sponsor person, the group to which the sponsor person belongs, and report it.

At this time, as the information for identifying the sponsored person, the recognition means may include two-dimensional data such as a barcode or a QR code, a numeric code including a mobile phone number, a character code, three-dimensional data, NFC RFID (Radio Frequency Identification).

The payment means may include at least one of a mobile phone settlement service, a credit card service, and a money transfer service. The settlement means can perform various payment substitution processing to the settlement means processed in the sponsorship management server 16. [

7 is a flowchart illustrating a process of issuing a recognition means of an online sponsoring system using a mobile terminal according to an embodiment of the present invention.

First, before the sponsorship management server 16 included in the online sponsoring system using the mobile terminal according to the embodiment of the present invention receives the sponsorship settlement request signal, unique information It is necessary to generate the recognition means and perform the information registration.

That is, the recognition means of the sponsored person, which is a main element included in the online sponsoring system using the mobile terminal according to the embodiment of the present invention, can scan or input and provide the sponsored money online so that the account number information And the account number information should be stored inside.

Therefore, the organization to which the sponsored person or the sponsored person belongs should visit the financial institution, and a process of opening the account of the sponsor who is the service provider and requesting the issuance of the means of recognizing the sponsored person should be executed.

In general, a financial institution includes a process of opening an account. Therefore, based on the receipt of personal information of a sponsored person and opening an account by giving an account number, in the present invention, a sponsor And provides the account number, the personal information, and the sponsored person identification means information in a matching manner.

FIG. 8 is a flowchart illustrating a process of confirming recognition means information through an online support system using a mobile terminal according to an embodiment of the present invention.

First, the process of confirming the recognition means information through the online support system using the mobile terminal according to an embodiment of the present invention is an additional process. When the target group of the specific organization receives the recognition means in advance, Only the account information matched to the recognition means may be updated to the sponsorship management server 16 through information change.

If it is possible to manage the recognition means information, the sponsor should be able to confirm whether the account information is properly matched.

As shown in the figure, the on-line sponsoring system using the mobile terminal according to the embodiment of the present invention can provide information on the sponsored person recognizing means 2 printed on an invitation, a business card, You can perform one process.

That is, for this purpose, the sponsored person should install the sponsoring application 40 on the mobile terminal 4 and drive the sponsoring application 40.

When the sponsoring application 40 is activated, the main page of the application is displayed on the screen of the mobile terminal 4. [

Then, the sponsoring application 40 determines whether recognition means information is input. When the recognition means information is inputted, the sponsoring application 40 extracts recognition means linkage information.

More precisely, information hidden in the hidden state can be extracted to the recognition means 2 of the sponsored person. At this time, the sponsoring application 40 can certify that the user is a person who can view the information contained in the hidden state to the recognition means 2 of the sponsored person, and the authentication is performed by the password application, the resident registration number, To the sponsorship management server 16, and after the authentication is completed, if it is determined that the user is a normal user, a browse grant signal is transmitted to the sponsoring application 40 to be browsed.

At this time, it is preferable that the information that the sponsored person can confirm by inputting his or her sponsored person recognizing means by scanning or directly inputting is the account number, the name of the financial institution, the account main information, and more preferably, It would be good for financial security.

On the other hand, in the case where there is no information that is matched or included in the sponsored person recognizing means 2, the corresponding account number is closed. Preferably, in the online sponsoring system using the mobile terminal according to the embodiment of the present invention The sponsorship management server 16 may transmit the account information when the sponsorship-related information is viewed or sponsored.

In this case, if only the account number is closed, even if the sponsored to-be-person recognizing means 2 interlocked with the account number exists, it can be transferred to the wrong account or the problem that the tip can not be paid properly can be solved. However, since this is the content that can be changed within the gist of the present invention, detailed description will be omitted.

FIG. 9 is a flow chart specifically showing a sponsorship process.

First, the sponsor or the organization to which the sponsor belongs should visit the financial institution and request the sponsor to open an account and issue a means to recognize the sponsor.

In general, a financial institution includes a process of opening an account. Therefore, based on the receipt of personal information of a sponsored person and opening an account by giving an account number, in the present invention, a sponsor And provides the account number, the personal information, and the sponsored person identification means information in a matching manner.

That is, the sponsored person visits the financial institution and requests the issuance of an account and the recognition means of the sponsored person.

Thus, the financial server 6 opens the account of the sponsored person, issues the sponsored person identification means, and registers the information.

Therefore, in order to perform the sponsoring process, the sponsor can download and install the sponsored application from the sponsorship management server 16, so that the sponsored application can be used when sponsoring another sponsored person once installed.

In this way, the sponsor who wants to sponsor runs the sponsoring application, and the sponsor scans and inputs the recognition means 2 of the sponsored person printed on the invitation, business card, and poster through the sponsoring application.

Then, the user can generate a sponsored payment request signal through the sponsoring application, and the sponsor is transferred to the account linked to the recognizing means of the sponsored person.

At this time, the sponsor must input the amount information to be provided as the sponsor for the sponsorship processing request, and select the payment means information such as the credit card settlement, the account transfer, the micropayment of the mobile phone, and the point settlement. Accordingly, the sponsorship management server 16 receives the settlement request information and performs payment settlement processing.

On the other hand, in addition to the small-size mobile phone settlement, the sponsor can sufficiently request the account transfer, the credit card settlement, and the point settlement processing on the settlement page of the organization to which the sponsored person belongs. And transmits the settlement request signal to the mobile phone settlement server 12 to perform settlement processing. In the case of a credit card, the sponsoring management server 16 generates a settlement request signal to the server.

When the sponsoring process is completed, the sponsoring management server 16 reports the payment details via e-mail, short message, multimedia message, or the like of the sponsored person registered in advance, and transmits the payment details to the sponsored person The reporting cycle can be reported every time the payment is completed, or it can be reported whenever the number of completed payments is more than a preset number of times.

If the sponsor's message is included in the sponsored payment request signal at the time of reporting the payment history, the sponsoring management server 16 may report the sponsor's message to the sponsored person, And if the sponsor receives the audit message to be transmitted from the sponsor to the sponsor after the settlement is completed, it is also possible to process the audit message to the sponsor.

Meanwhile, when the sponsorship management server 16 includes the communication information in the sponsored payment request signal, the sponsorship management server 16 stores the communication information, analyzes the communication information, and reports the sponsored person or the sponsored person as a group to which the sponsored person belongs do.

In addition, the sponsor who sponsors the sponsored person can request sponsorship processing through the sponsoring application 40, and the amount to be provided as a sponsor can be set in advance, and can be input at each time when the sponsorship processing signal is generated.

Meanwhile, when the sponsored amount is set in advance through the sponsoring application 40 or when the sponsored amount is inputted every time, the upper limit amount can be set in advance. If the sponsored amount is exceeded, The server 16 proceeds to the settlement processing.

The online sponsoring method using the mobile terminal according to an embodiment of the present invention can be implemented in the form of a program command that can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

Claims (24)

Receiving sponsored payment request signal including at least one of sponsored person information or recognition means information;
Confirming a payment account of the sponsoring person using the sponsored person information or the recognition means information; And
And allowing the sponsor to settle the amount corresponding to the amount information included in the sponsored payment request signal through the payment means selected by the sponsor to the payment account of the sponsored person. The method according to claim 1,
Further comprising the step of reporting the settlement history to the sponsoring person when the settlement based on the sponsoring settlement request signal is completed,
The step of reporting the payment history to the sponsoring person includes:
The report may be reported every time the settlement is completed,
And reports the number of times of completion of payment to the sponsor management server whenever the number of times of completion of payment is equal to or greater than a preset number of times. The method according to claim 1,
And reporting the sponsor's message to the sponsored person when the sponsor's message is included in the sponsored payment request signal. The method according to claim 1,
After completion of settlement in accordance with the sponsored payment request signal,
Further comprising the step of delivering the audit message to the sponsor upon receipt of an audit message to be transmitted from the sponsor to the sponsor. The method according to claim 1,
Storing the communication information for the sponsored person when the sponsored payment request signal includes communication information for communicating with the sponsored person; And
Analyzing the communication information and reporting the sponsored person or the sponsored person as a group to which the sponsored person belongs. The method according to claim 1,
Wherein the step of receiving the sponsored payment request signal comprises:
Receives a sponsored payment request signal generated through a sponsored application installed in the portable terminal, or
A method of providing a sponsoring service in a sponsoring management server receiving the sponsored payment request signal generated through a mobile web site or a web site. The method according to claim 1,
Before the step of receiving the sponsored payment request signal,
Further comprising the step of generating the recognition means that is unique information that matches the payment account of the sponsored person. The method according to claim 1,
Wherein,
3-dimensional data, Near Field Communication (NFC), and Radio Frequency Identification (RFID) information including two-dimensional data such as a barcode or a QR code, a numeric code including a mobile phone number, The sponsor management server comprising: The method according to claim 1,
Wherein,
A method for providing a sponsoring service in a sponsoring management server, which is at least one of a mobile phone settlement service, a credit card service, an electronic wallet settlement service, a money transfer service and a point settlement service. The method according to claim 1,
Wherein the step of allowing the amount corresponding to the amount information to be settled in the payment account of the sponsored person,
And outputting the upper limit amount of sponsorship to the sponsor and informing the sponsor that the sponsor payment has failed, if the upper limit amount of sponsorship is preset, and the amount corresponding to the amount information exceeds the upper limit amount of sponsorship. A method of providing sponsorship services from a sponsoring management server. Acquiring at least one of the sponsored person information or the recognition means information;
Receiving amount information corresponding to sponsorship from a sponsor;
Determining a payment means from the sponsor;
Generating a sponsored payment request signal including at least one of the sponsored person information or the recognition means information, the amount information, and the determined payment means;
Transmitting the sponsored payment request signal to the sponsoring management server; And
And paying the amount corresponding to the amount information according to the determined payment means. 12. The method of claim 11,
Wherein,
3-dimensional data, Near Field Communication (NFC), and Radio Frequency Identification (RFID) information including two-dimensional data such as a barcode or a QR code, a numeric code including a mobile phone number, Wherein the sponsoring application comprises at least one of: 12. The method of claim 11,
Acquiring at least one of the sponsored person information or the recognition means information,
And the sponsoring application provides the sponsoring application in which the recognizing means is scanned through the scanning device included in the portable terminal to obtain the recognizing means information. 12. The method of claim 11,
Receiving a sponsor's message to be transmitted to the sponsored person,
Wherein the step of generating the sponsorship payment request signal comprises:
And when the sponsor application generates the sponsorship payment request signal, the sponsor application generates the sponsor application message including the sponsor's message. 12. The method of claim 11,
Further comprising receiving communication information, which is a message to be transmitted to the sponsoring target,
Wherein the step of generating the sponsorship payment request signal comprises:
And providing the sponsoring service in the sponsoring application that generates the sponsorship payment request signal including the communication information. 12. The method of claim 11,
The sponsoring application,
A mobile terminal, a portable terminal, or a mobile web site or a web site. 12. The method of claim 11,
After the step of paying the amount,
And outputting the audit message when receiving the audit message generated by the sponsor from the sponsorship management server. A mobile terminal for scanning or inputting information of the sponsored person recognition means and generating a sponsored payment request signal so as to automatically transfer the predetermined sponsored money to the account of the specific sponsored person matched with the recognition means information; And
A sponsor management unit for registering the recognition means information, managing the account of the sponsored person corresponding to the recognition means information, and transferring the predetermined sponsored amount to the account of the sponsored person through the payment means in accordance with the sponsored payment request signal An online support system using a mobile terminal including a server. 19. The method of claim 18,
The sponsorship management server,
Wherein the recognition means information is categorized and managed by the organization to which the sponsorship target belongs. 19. The method of claim 18,
The sponsorship management server,
Wherein the mobile terminal receives and manages communication information for communication between the sponsor and the sponsored person from the mobile terminal. 19. The method of claim 18,
Wherein,
Generated by the sponsorship management server and issued,
And a financial server for managing an account of the sponsored person and issuing the issued online sponsoring system. A donation unit for receiving a donation settlement request signal including at least one of donation target person information or recognition means information;
An analysis unit for confirming a payment account of the sponsored person using the sponsored person information or the recognition means information and confirming the amount information included in the sponsored payment request signal and the payment means selected by the sponsor; And
And a settlement agent for allowing an amount corresponding to the amount information to be paid to the sponsor's settlement account through the settlement means. 23. The method of claim 22,
A sponsoring management server for providing a sponsoring service that further includes a recognition means generation management unit for generating recognition means matching information on the sponsored person and managing the information. 23. The method of claim 22,
And a communication information management unit for managing communication information for communication between the sponsor and the sponsored person.

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