KR20150016794A - Method for Providing Non-Medium Payment based on User’s Authentication - Google Patents
Method for Providing Non-Medium Payment based on User’s Authentication Download PDFInfo
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- KR20150016794A KR20150016794A KR1020130092681A KR20130092681A KR20150016794A KR 20150016794 A KR20150016794 A KR 20150016794A KR 1020130092681 A KR1020130092681 A KR 1020130092681A KR 20130092681 A KR20130092681 A KR 20130092681A KR 20150016794 A KR20150016794 A KR 20150016794A
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
Abstract
Description
The present invention is to provide a customer who belongs to a specific credit rating determined by a credit evaluation company with a settlement period in which a certain payment delay period is given based on the identity verification through a credit evaluation company without a medium such as a credit card.
There is a growing conflict between payment fees between merchants and credit card companies. Franchisees are asking for a reduction in payment commission on the back of reduced sales, and credit card companies are demanding higher commissions on account of the ongoing increase in delinquency rates. Such commission conflicts are not a problem yesterday, but a chronic problem that has been repeated over and over since the introduction of credit card payments. In the meantime, this repeated commission conflict has been the subject of credit card companies' position in most cases except for some special cases.
Franchisees have been attempting to introduce payment methods other than credit card payment, such as bank transfer, check card payment, debit card payment, prepaid card payment, electronic money payment and so on. However, most customers have a strong tendency to use credit card payment, which is offered in advance, rather than prepaid in advance or payment at the same time as payment. In the meantime, the payment methods that have been tried consistently are credit card and other forms of payment, not credit card payment.
Meanwhile, due to the increase in micropayments, the burden of commission fees for small merchants has increased significantly, and it is time to look for new payment methods to overcome them.
SUMMARY OF THE INVENTION An object of the present invention to overcome the above problems is to provide a method and system for managing a credit rating of a customer who belongs to a first to nth (1? N <N) credit rating among N (N> 1) The present invention provides a method for providing a non-media settlement payment based on the identity of an individual who determines an optimal trauma limit, a payment suspension period, an interest rate for each period, and an external payment method after performing authentication.
A method for providing a non-media account settlement based on an authentication of a user according to the present invention is a method for providing a non-media account settlement based on a self-certification performed on a server of a credit evaluator, (1 < n < N) among the first to n-th credit ratings of the settlement request client, A second step of confirming that the customer corresponding to the customer identifier is a customer for the settlement of accounts and performing a designated authentication procedure; and a second step of, when the authentication of the customer of the foreign currency settlement target customer is completed, (1 < n < n) credit rating to which the payment target customer belongs to the payment request server, And a third step of treatment so that the inter-specific rate, accounts of payment decision.
According to the present invention, the first step may include the steps of: processing membership of a customer for foreign currency settlement whose identity is identified through a designated authentication process among the customers belonging to the first to n-th credit classes; And storing the information on the customer for the settlement of accounts.
According to the present invention, the method for providing a non-media external settlement based on the identity authentication further includes checking at least one identity authentication procedure corresponding to the customer for the account settlement among j (j? 1) identity authentication procedures And the second step may perform at least one of the identified authentication procedures.
According to the present invention, the method for providing a non-media external settlement on the basis of the authentication of the user is characterized in that the first to n-th credit ratings are denoted by M (M? N) on the basis of i (i? 1) (M < = M < M) < / RTI > payment class to which the customer belongs among the M payment classes when the authentication of the customer of the customer is completed Wherein the third step includes processing the settlement limit of the customer for foreign currency settlement to be determined based on the n < th > credit rating of the customer to which the foreign currency settlement target belongs through the payment request server, The rate of payment for each settlement period, the interest rate for each period, and the state of payment are determined based on the m payment category to which the customer belongs.
Here, the i designated evaluation items include at least one evaluation item out of the evaluation items scoring the evaluation items and the account settlement history specified through the credit evaluator among the evaluation items contributing to the determination of the first through the n-th credit ratings .
Also, the M payment classes can be used to select at least one of the payment delay period, the interest rate per period, and the external payment method.
According to the present invention, the payment grace period may include a period in which the settlement amount can be paid without a separate interest rate or at a minimum reference rate.
According to the present invention, the interest rate for each period may be a minimum standard rate set in the payment grace period based on the n 'credit rating, an initial delinquency rate at the time when the payment grace period set in proportion to the payment grace period is exceeded, May include an interest rate corresponding to one or more of the delinquency rates that increase in proportion to the excess period from the time when the payment delay period is exceeded.
According to the present invention, the foreign currency payment method includes a batch payment mode or a divided payment mode for the foreign currency settlement amount, and the split payment mode is set to be delinquent even if the split payment period exceeds the payment suspension period It is possible not to.
According to the present invention, in the third step, the transaction history information of the foreign currency settlement target customer held by the settlement request server is further used to calculate the foreign currency limit of the foreign currency settlement target customer, the payment delay period, It can be dealt with to determine the method of payment.
According to another aspect of the present invention, there is provided a method for providing a non-media external settlement based on a user authentication, the method comprising: periodically monitoring a credit rating of a customer to which an initial trauma limit is given at the time of initial membership, And notifying the settlement request server when the credit rating has changed.
According to another aspect of the present invention, there is provided a billing system for billing a customer, the billing system comprising: a billing server for billing accounts receivable; A fifth step, and a sixth step of processing payment settlement of the requested amount.
According to the present invention, it is possible to provide an advantage of providing post-payment settlement for paying a foreign currency without a medium such as a credit card, adjustment of a credit rating capable of providing foreign settlement, optimization of a payment period, There is an advantage to suppress the occurrence of delinquency in the settlement of accounts through.
FIG. 1 is a diagram illustrating a configuration of a self-authentication-based non-media external settlement system according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of setting a grade and registering a member for settlement of accounts according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of determining an extrinsic limit of an external settlement based on authentication of a person according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a procedure of settlement of accounts according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of managing a foreign currency receivable of a credit evaluation company according to an embodiment of the present invention.
The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.
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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.
As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.
FIG. 1 is a diagram illustrating a configuration of a self-authentication-based non-media external settlement system according to an embodiment of the present invention.
More specifically, FIG. 1 is a system for providing a customer who belongs to a specific credit rating determined by a credit rating company, with a certain payment delay period through a shopping mall designated on the basis of self-certification through a credit evaluation company, Those skilled in the art will be able to refer and / or modify FIG. 1 to illustrate various implementations of the configuration of the identity-based non-media billing system (e.g., some components may be omitted, However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited thereto.
The authentication-based non-media external settlement system of the present invention stores information on a customer for a settlement to be settled in the first to n-th (1? N <N) credit ratings out of N (N> 1) (1 < n) < / RTI > to which the customer for the settlement of accounts belongs, after performing the authentication of the customer for the foreign currency settlement target customer, Lt; n) < / RTI > credit rating of the customer to be settled. The server on which the authentication-based non-media external settlement system is implemented may include at least one of a credit evaluation company server 100 or a server operated by a credit rating company subsidiary company. For convenience, FIG. 1 illustrates that the authentication-based non-media currency settlement system is implemented through a credit evaluator server 100, however, the present invention is not limited thereto and may be applied to at least one or The authentication-based non-media external settlement system can be implemented through a combination of two or more servers, and the present invention clearly encompasses all such modifications as the scope of the present invention.
The settlement request server 170 is a collective term of a server operated by an institution (or a corporation) requesting settlement of accounts, and preferably includes a home shopping server, an Internet shopping mall server, an open market server, Server. The settlement request server 170 provides the settlement of accounts according to the designated settlement rule for the customers belonging to the first to n-th credit ratings out of the N credit ratings set by the credit evaluator.
The customer can use the customer terminal 165 (for example, a wired terminal such as a computer or a notebook computer, a wireless terminal such as a mobile phone, a smart phone, or a tablet PC) or a merchant terminal (not separately shown) The settlement request server 170 selects the settlement type according to the settlement platform provided by the settlement request server 170. If the settlement method is selected through the customer terminal 165 or the merchant terminal, Or may provide the credit evaluator with a customer identifier that has been confirmed through the merchant terminal 165 or the merchant terminal.
The credit evaluator server 100 determines n credit ratings (that is, first to n-th credit ratings, where the first credit rating corresponds to the best credit rating) that provides the out-of-country settlement among the N credit ratings, 1 to n < th > credit rating, stores the information on the customer who will provide the settlement out of the customer, and then the customer who receives the settlement request corresponding to the customer identifier provided from the affiliated payment request server 170, To n < th > credit rating, and processes the settlement rule for the authenticated customer to be set as a result of performing the specified at least one identity authentication. The external settlement rule includes an external limit determined based on a credit rating to which the customer belongs, and may include at least one of a payment delay period of the foreign currency settlement, an interest rate per period, and a foreign currency payment method.
According to the first external settlement rule setting method of the present invention, the credit rating company server 100 determines whether or not at least one of the credit rating to which the foreign currency settlement target customer belongs among the N credit ratings and the settlement level of the customer determined within the credit evaluator The settlement request server 170 may determine the settlement rule for the customer to be settled on the basis of the rating criteria and provide the determined settlement rule to the settlement request company server 170, It is possible to provide the customer with the settlement of accounts according to the settlement rule determined through the server 100.
According to the second external payment rule setting method of the present invention, the credit evaluator server 100 can determine whether or not one of the N credit ratings, which is a credit rating of a customer to which a foreign currency settlement target belongs, The settlement request server 170 may determine the foreign exchange settlement rule based on the grade criterion of the foreign currency settlement object, and determine the foreign exchange settlement rule based on the determined foreign exchange settlement rule It is possible to provide the settlement payment to the customer who is to settle the foreign currency.
According to the third method of setting the external payment rules of the present invention, the credit rating company server 100 can determine whether or not at least one of the credit ratings to which the foreign currency settlement target customer belongs among the N credit ratings and the settlement level of the customer The settlement request server 170 may provide the settlement criterion to the settlement request server 170. The settlement request server 170 may combine the credit standards of the foreign currency settlement object and transaction details of the foreign currency settlement client, Rule, and provide the settlement to the customer who is to settle the settlement according to the determined settlement rule.
Hereinafter, the features of the present invention will be described with reference to a first external settlement rule setting method among the first to third foreign matter settlement rule setting methods. However, the external payment rule setting method of the present invention is not limited to the following embodiments, and any of the first to third external payment rule setting methods may be applied, and the present invention is not limited to the first to third And a method of setting up a settlement rule are all included as a scope of right.
In addition, some of the function configuration units (for example, the information storage unit, the class checking unit, and the like) included in the credit evaluator server 100 shown in FIG. 1 may be configured by the second foreign- And that the payment request server 170 can be provided in implementing the present invention according to a rule setting method.
Referring to FIG. 1, the credit rating company server 100 receives a credit rating from a first to nth (1? N <N) credit rating customer among N (N> (1) to (n) th credit ratings on the basis of i (i > = 1) designated evaluation items designated by the credit evaluator, and an information storage unit And a gradation determining unit 110 for classifying the gradation level into a plurality of gradation levels.
The information storage unit 105 stores n (1? N < N) credit ratings capable of providing an out-of-pocket settlement among N credit ratings set by a credit evaluator in cooperation with a designated operator terminal The nth credit rating is determined. Here, the first credit rating among the above credit ratings is regarded as the best credit rating.
According to the method of the present invention, the information storage unit 105 can flexibly change n credit ratings that can provide the settlement in cooperation with a designated operator terminal. For example, a credit rating from Class 1 to Class 4 may be determined by a credit rating that can provide for settlement of accounts during any period, while a credit rating from Class 1 to Class 3 may provide for a settlement Which can be determined by the credit rating. The adjustment of the credit rating that can provide such settlement can be adjusted according to seasonal factors, various anniversary periods, changes in the national policy or financial environment related to credit rating, the size of the settlement for a specified period, and so on. For example, it is possible to extend the credit rating range to provide for settlement of accounts during the year-end / year-end period and to narrow the credit rating range in the early summer period. That is, a normal credit card settlement determines a credit limit based on a credit rating of a card issuer, and provides a postponement type settlement. On the other hand, .
According to an embodiment of the present invention, the information storage unit 105 can determine n credit scores differently for each settlement requester in cooperation with a designated operator terminal. For example, the payment requester (A) determines the credit rating of the first to fourth grades as a credit rating capable of providing the settlement of accounts, and the payment requester (B) determines the credit rating of the first to third grades Can be determined by a credit rating that can provide for settlement. For example, it is possible to reduce the credit rating range of a specific settlement requesting an increase in the delinquency rate of the settlement of accounts, and extend the credit rating range of a specific settlement requesting a marketing event.
The information storage unit 105 processes a member who is identified as a member of the first through n-th credit ratings through a specified authentication process, as a customer who uses the settlement service. The information storage unit 105 may be configured to receive a customer who uses a foreign settlement through an advertisement medium, a customer who is to use a foreign settlement through a partner payment request server, a customer who has a wireless terminal installed with a specific app, Can be registered as a customer who will use foreign settlement.
According to an embodiment of the present invention, a customer can be given an initial trauma limit at the time of joining the member, and then the settlement request server 170 and the credit rating company server 100 interlock with each other, It is possible to periodically monitor the credit rating of the customer.
Also, if a change occurs in the credit rating according to the monitored result, the credit rating server 100 can notify the settlement request server 170 to check the credit rating change history of the customer, Including the customer's credit rating decline, short-term delinquency, and limit fluctuations, and may include ratings and / or limitations to the customer, checking the customer's activation of the registered account, and checking balances.
The information storage unit 105 stores the information on the customer (for example, the personal information of the customer, the information of the customer, etc.) while receiving the customer who is identified as the customer among the customers belonging to the first to n- (For example, customer name, address, mail address, mobile phone number, etc.), customer identifier, customer's account information (for example, information on the account of the customer name to which the settlement amount is to be paid) do.
According to an embodiment of the present invention, a customer identifier for a customer who is a member of a customer who uses the account settlement can be shared by the affiliated payment request server 170. [ The customer identifier may include at least one of the ID information of the customer and the identification token allocated for the customer identification.
According to the method of the present invention, the information storage unit 105 stores the user authentication procedure to be performed in the self-account settlement process among j (j? 1) In this case, the information storage unit 105 may store information on a personal authentication procedure to be applied in the customer's external settlement process, on a designated storage medium.
The rating determiner 110 determines M (M? N) first to n-th credit ratings used to determine the customer to be settled on the basis of i (i? 1) designated evaluation items designated by the credit evaluator, And if the second external settlement rule setting method or the third external settlement rule setting method is used, the rating determiner 110 may be provided in the settlement request server 170 At this time, the settlement request server 170 may determine the settlement level by further including transaction details other than the customer's credit rating provided by the credit evaluator server 100.
According to the method of the present invention, the i designated evaluation items include evaluation items designated through the credit evaluator among the evaluation items contributing to determination of the first through the n-th credit ratings, , And at least one evaluation item. Here, the evaluation items contributing to the determination of the specific credit rating among the i designated evaluation items include the evaluation items which are the main factors in determining the credit rating. For example, if there is a single credit card overdue history in the past six months and the credit rating is not at or above grade 4, then the credit card overdue history is included in the rating items specified in grades 1 through 4 , But it can be included as a designated evaluation item in a credit rating of 5 or below.
According to the method of the present invention, the M payment classes can be differentiated by the first through n-th credit classes. For example, the maximum payout grace period of the first class is 6 months, the second payout grace period is 5 months, and the third payout grace period is 4 months, but the present invention is not limited thereto.
On the other hand, if the second-highest grace period is 5 months, even the same second-grade customer owns a lot of real estate, so customers with a settlement level that has to pay a real estate related tax more than a certain amount next month, And owns a liquidity financial asset instead of a real estate, a customer with a payable grade at any time may be given a one-month grace period.
However, according to another embodiment of the present invention, the payment grace period can be changed or set by the customer within the maximum payment grace period specified in the credit grade, and the delinquency history, the work information annual income, the DTI Accordingly, the payment grade can be differentiated.
Referring to FIG. 1, the credit evaluator server 100 includes an object identifier unit 115 for receiving a customer identifier to process an account settlement from an affiliated settlement request server 170, and a customer identifier And a customer authentication unit (120) for confirming whether the customer is a customer to be a foreign settlement customer and performing a designated authentication process. When the M payment levels are determined, m (1? M ≪ = M) < / RTI >
If the customer requests settlement after purchasing the goods to the settlement request server 170 through his / her customer terminal 165, or if he / she selects the settlement as the settlement method, the settlement request server 170 processes the settlement of accounts And provides the customer identifier of the customer who is to receive the settlement to the credit rating company server 100. [ The target identifying unit 115 receives the customer identifier of the customer for the settlement of accounts from the affiliated settlement request server 170 and confirms the settlement request to process the settlement out of at least one of the cooperated settlement requests , And confirms the settlement target customer who is to be provided with the currency settlement payment with the confirmed settlement request person.
The customer authentication unit 120 determines whether a customer corresponding to the customer identifier belongs to a customer who is a foreign currency settlement target belonging to the first to n-th credit classes based on the stored customer information through the information storage unit 105 Check. If the customer corresponding to the customer identifier is the customer for the settlement of accounts belonging to the first to n-th credit classes, the customer authentication unit 120 confirms the identity authentication procedure to be applied to the customer for the settlement of accounts. The personal authentication procedure includes a personal authentication procedure using an authorized certificate, a personal authentication procedure using a card or an account issued to a customer, a personal authentication procedure using an OTP, a personal authentication procedure using a specific application provided in a wireless terminal, A personal authentication procedure based on the SMS authentication number, and a telephone authentication based personal authentication procedure. The personal authentication procedure may include all kinds of personal authentication procedures that can be inferred by those skilled in the art, in addition to the personal authentication procedure described above.
According to an embodiment of the present invention, the customer authentication unit 120 confirms the settlement amount, and performs a personal authentication procedure (for example, an authentication procedure using an SMS authentication number less than 300,000 won, The above can confirm the authentication procedure using the official certificate, etc.). Alternatively, the customer authentication unit 120 can confirm at least one or two or more personal authentication procedures registered in the membership process of the corresponding customer for foreign currency settlement through a personal authentication procedure for settlement of the customer's foreign currency settlement. Alternatively, the customer authentication unit 120 may have a policy for determining the authentication procedure corresponding to the first to the n-th credit ratings, and may identify the authentication process corresponding to the credit rating to which the customer belongs based on the policy have. Preferably, the customer authentication unit 120 can confirm one or more personal authentication procedures conforming to the customer for foreign currency settlement by combining at least one or two or more of the above-described authentication procedures for identifying the individual.
The customer authentication unit 120 confirms the customer terminal 165 used by the customer and performs at least one authentication process in cooperation with the customer terminal 165. In the course of performing the identity authentication procedure, at least one of a certificate server, a financial company server 175, an application server, and a communication company server may be intervened.
On the other hand, when M rating levels are determined by the rating determiner 110, the rating determiner 125 determines whether the M authenticated by the customer authentication unit 120 m payment level can be confirmed. If the second to third foreign settlement rule setting methods are followed, the rating request unit 125 may be provided in the settlement request server 170.
Referring to FIG. 1, the credit rating company server 100 determines whether or not the credit score of the first to n-th credit ratings is " n " A grace period determining unit 135 for determining that the grace period for the settlement is determined, and an interest rate determining unit 135 for determining an interest rate And a payment mode determining unit 145 for determining that the external payment method for the external settlement is determined.
When the authentication of the customer of the foreign currency settlement target is completed, the foreign currency limit determination unit 130 determines whether the foreign currency settlement target customer is the first to the n < th > (N ') credit rating information for the n < th > credit rating to which the customer is subject to payment, to the payment request server 170 to the settlement request server 170 so that the settlement request server 170 can determine the extrinsic limit corresponding to the n'th credit rating, It is possible to determine the above-mentioned trauma limit by further including transaction details.
The grace period determiner 135 determines the maximum grace period of the customer for the settlement of accounts based on the n < th > credit rating of the first to n < th > And provides the payment request server 170 with the credit rating information for the n < th > credit rating of the target customer to the payment request server 170 so that the payment request server 170 transmits the maximum payment < In this case, the payment request server 170 may further include transaction details in addition to the customer's credit rating to determine the maximum payment grace period.
Meanwhile, when the M payment classes are determined by the rating determiner 110 and the m payment classes to which the customer is subject to the settlement through the rating determiner 125, the grace period determiner 135 ) Suppresses delinquency inducement within the range of the maximum payment grace period determined through the n < th > credit rating on the basis of the securitization time point of the customer for the settlement corresponding to the m-th payment degree (i.e., , Or determines the optimal payment delay period (for example, the time when the money to be paid for the municipal settlement target customer is liquidated) to the payment request server 170 The settlement request server 170 can process the settlement request server 170 to determine the optimal payment delay period corresponding to the m-th settlement level, (170) may further include a payment transactions in addition to rating the customer to determine the best payment grace period.
The payment grace period is a period during which the payment of the settlement amount settled in the trauma limit is deferred. Preferably, the amount of the trafficked payment is set at a minimum reference rate corresponding to the credit rating of the corresponding customer Including the period of payment at any time according to the free will of the customer.
According to the method of the present invention, the maximum payment grace period of the customer for the settlement of accounts can be differentiated according to the credit rating to which the corresponding customer for the settlement of accounts belongs. For example, a first-class customer can be differentiated by a maximum grace period of six months, a second-class customer with a maximum grace period of five months, and a third-class customer with a maximum grace period of four months. On the other hand, when the settlement level of the customer to be settled is confirmed, the optimal payment delay period based on the settlement level is determined within the maximum payment delay period. The credit grant period of the ordinary credit card settlement is set to one month, while the payment grace period for the external settlement of the present invention is characterized by being differentiated and changeable.
The interest rate decider 140 determines the interest rate of each of the first to n-th credit ratings for each period during which the settlement amount is settled based on the n < th > Or provides the credit request information server 170 with the credit rating information for the n < th > credit rating to which the customer for the account settlement belongs to the payment request server 170, The settlement request server 170 may determine the minimum interest rate for each period corresponding to the credit rating, and at this time, the settlement request server 170 may determine the minimum rate for each period by further including transaction details in addition to the customer's credit rating .
Meanwhile, when the M settlement levels are determined by the rating determiner 110 and the m settlement level to which the customer is subject to the settlement is confirmed through the rating determiner 125, Determines an optimal periodic interest rate for suppressing the delinquency inducement based on the m-th payment level and the minimum interest rate determined through the n < th > credit rating, or to cancel the loss at the occurrence of delinquency, And provides the payment request server 170 with the payment level information about the m < th > payment level to the payment request server 170 so as to determine the optimal rate for each period can do. It is preferable that the optimum rate for each period is determined to be equal to or greater than the minimum rate for each period.
The periodic interest rate may include a minimum standard rate set in the payment grace period based on the n < th > credit rating to which the customer for the settlement of accounts belongs. For example, a minimum base interest rate of a grace period for a first-class customer may be set to 0%, a minimum base rate of a grace period for a second-class customer may be set to 1%, and a third- The minimum standard interest rate of the grace period can be set at 2%.
The periodic interest rate may include an initial delinquency rate at a time point exceeding the payment grace period set in proportion to the payment grace period. For example, if the payment delay period is 2 months, the initial delinquency rate at the time of exceeding 2 months may be set to 10%, and if the payment delay period is 3 months, The initial delinquency rate may be set at 19.99% and the initial delinquency rate at the time of exceeding four months when the payment delay period is four months may be set at 29.99%.
The periodic interest rate may include an overdue interest rate that increases in proportion to the overdue period from a time exceeding the payment suspension period, and the overdue interest rate may increase to a specified limited rate (e.g., 39.99%).
The payment method determination unit 145 determines the payment method of either the collective payment method or the divided payment method for the amount of settlement of foreign currency, and when the payment method is determined as the divided payment method, the first to n < th > Determining at least one of a division number, a dividing amount, and a dividing period for the divided payment mode based on the n < th > credit rating of the credit rating target customer, The credit rating information on the credit rating is provided to the settlement request server 170 so that the settlement request server 170 notifies the settlement request server 170 of the division number, And to determine at least one of the division periods.
Meanwhile, when the M payment classes are determined by the rating determiner 110 and the m payment category to which the customer is subject to the settlement is determined through the rating determiner 125, the payment method determination unit 145 ) Adjusts at least one of the division number, division amount, and division period of the divisional payment mode determined through the n < th > credit rating using the m-th payment grade so as to suppress the delinquent inducement, By providing the settlement request server 170 with the settlement grade information about the m < th > settlement class to which the customer belongs, the settlement request server 170 transmits the settlement request to the settlement request server 170 via the At least one of the divided number of the determined divided payment method, the divided amount, and the divided period may be processed so as to suppress the delinquent inducement.
At least one of the number of divisions of the divisional payment mode, the divisional amount, and the divisional period may be set so that the divisional payment can be made within the payment grace period, and it is set so as to exceed the payment grace period within the designated range . If at least one of the division number, the split amount, and the division period of the divisional payment mode is set to exceed the payment delay period, the divisional payment mode is set so as not to be delayed even if the split payment period exceeds the payment suspension period . However, it is preferable that the interest rate when the divided payment period exceeds the payment delay period is set to be larger than the interest rate within the payment delay period, and the interest rate for each period is the same as the case where the divided payment period exceeds the payment grace period For example.
The trauma limit of the trauma settlement is determined through the trauma limit determining unit 130 and is determined by the grace period determining unit 135, the interest rate determining unit 140, and the payment method determining unit 145, The settlement request server 170 transmits the settlement rule to the customer for settlement on the basis of the settlement rule for the settlement customer, Process the settlement of accounts, and generate the accounts receivable for the settlement. Preferably, the foreign trade receivable is created and managed through the settlement request server 170. Meanwhile, according to the method of the present invention, the foreign trade receivable can be managed through the credit evaluator server 100.
Referring to FIG. 1, the credit evaluator server 100 includes a debt management unit 150 for purchasing a foreign trade receivable of a foreign settlement customer from the settlement request server 170 to manage the foreign trade receivable, An amount claiming unit 155 for claiming the amount corresponding to the foreign trade receivable based on the stored information on the customer, and a payment settlement unit 160 for processing the payment settlement of the requested amount do.
The bond management unit 150 purchases the foreign trade receivables of the foreign settlement customer from the settlement request server 170 and discounts the purchase price of the foreign trade receivable at a specified rate through the designated financial server 175, Settlement to the payment request side.
According to the embodiment of the present invention, the bond management unit 150 can calculate the receivable trade receivables of the good customers corresponding to the first to n "(1 < n" < n) And can be selectively purchased.
According to the method of the present invention, the creditor management unit 150 purchases the foreign trade receivable, and at the same time, subscribes the guarantee insurance for the defaulted amount of the debt settlement customer through the designated insurance company server (not shown) Can be performed.
The amount claiming unit 155 notifies the amount of money corresponding to the foreign trade receivable to the foreign currency settlement customer before the payment grace period of the foreign currency settlement customer arrives based on the information on the customer stored through the information storage unit 105 To be paid and settled. Preferably, the amount claiming unit 155 may request the payment of the amount through the mail, or may request the payment of the amount through at least one of an e-mail address, a text message, and an app of the mobile terminal have.
When the payment suspension period of the customer is reached or the payment suspension period is reached, the payment settlement unit 160 updates the information on the customer stored on the basis of the stored customer information through the information storage unit 105 The amount of money charged to the customer through the amount claiming unit 155 is processed by withdrawing the requested amount from the account of the foreign settlement customer through the payment unit 175. If the payment settlement of the requested amount is not processed, the creditor management unit 150 receives the insurance money for the default amount of the obligation through the guarantee insurance, or receives the insurance money from the designated debt purchasing institution (or the debt collection institution) By selling the bonds, the amount corresponding to the above-mentioned accounts receivable can be processed to be paid-out.
FIG. 2 is a diagram illustrating a process of setting a grade and registering a member for settlement of accounts according to an embodiment of the present invention.
In more detail, FIG. 2 shows first to nth (1? N <N) credit ratings for selecting a customer to provide a settlement out of N credit ratings determined by a credit evaluator, 2 and 3 are views showing a process of subdividing the first through n-th credit ratings into M payment classes according to an embodiment of the present invention. Or variations may be made to various embodiments of the rating and membership process (e.g., omitting some steps or changing the order), but the present invention encompasses all such envisioned methods of implementation And the technical characteristics thereof are not limited only by the method shown in FIG.
Referring to FIG. 2, a credit evaluator server 100 receives n (1? N <N) credit ratings, i.e., first to n-th credit ratings, (200). According to an embodiment of the present invention, the credit evaluator server 100 assigns the first to n-th credit ratings used for setting the customer for foreign currency settlement on the basis of the i (i? I) Gt; (n) < / RTI > payment classes (205).
If the credit evaluation company server 100 confirms the credit rating of the customer (215), the credit rating server 100 requests the member registration request And checks whether the customer's credit rating belongs to the first to n-th credit ratings (220). If the customer's credit rating does not belong to the first to the n-th credit ratings, the credit evaluator server 100 provides the subscription error to the customer terminal 165 (225), and the customer terminal 165 The member registration error is output (230).
Meanwhile, if the customer's credit rating belongs to the first to n-th credit ratings, the credit evaluator server 100 performs an authentication process for the member-affiliated customer in cooperation with at least one customer terminal 165 (235). If the authentication of the member is unsuccessful, the credit evaluation company server 100 provides a membership error to the customer terminal 165, and the customer terminal 165 outputs the membership failure error (230).
On the other hand, if the identity verification of the customer is confirmed, the credit evaluator server 100 acquires information on the registered customer in cooperation with the customer terminal 165, and transmits the obtained information about the customer to a designated storage medium (240).
FIG. 3 is a diagram illustrating a procedure for determining the trauma limit of a trauma settlement based on authentication of a person according to an embodiment of the present invention.
In more detail, when a customer identifier to process the settlement of accounts is received from the affiliated settlement request server 170, it is determined whether the customer corresponding to the customer identifier is a customer for the settlement of accounts, (N < n >) credit rating of the first to n < th > credit classes to which the customer is subject to settlement, Those skilled in the art will appreciate that various modifications and variations of the method of the present invention will be apparent to those skilled in the art by reference to and / However, the present invention is not limited to the above-described embodiments, and it is to be understood that the technical features of the present invention are not limited thereto, It shall be defined.
Referring to FIG. 3, the settlement request server 170 confirms (300) the customer identifier of the customer who has provided the settlement of accounts and provides the customer identifier of the customer for the settlement to the credit rating server 100 (305).
The credit evaluator server 100 receives (310) a customer identifier of the customer to be charged for settlement from the settlement request server 170, and determines whether the customer is a first to nth credit (315). ≪ / RTI > If the customer for foreign currency settlement does not belong to the first to n-th credit ratings, the credit rating server 100 checks the credit rating of the customer, and / or checks the credit rating of the customer, And a subscription process.
If it is determined that the customer for foreign settlement belongs to the first to n-th credit classes, the credit rating server 100 confirms at least one identity authentication procedure corresponding to the customer for foreign settlement (320) (325) in cooperation with at least one customer terminal (165). If the authentication of the member is unsuccessful, the credit rating server 100 provides a membership error to the customer terminal 165, and the customer terminal 165 outputs the membership failure error (335).
On the other hand, if the authentication of the customer is confirmed, the credit evaluator server 100 checks the n < th > credit rating of the first to the n < th > (340). ≪ / RTI > The credit evaluator server 100 provides the settlement request server 170 with an external limit of the customer for foreign currency settlement 345 and the settlement request server 170 receives the foreign currency limit of the customer for foreign currency settlement (350).
FIG. 4 is a view showing a procedure of settlement of accounts according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating an example of a payment suspension period for a foreign-currency settlement using the n-th credit rating and / or the m-th payment rating, Periodic interest rate, and out-of-pocket payment method to process the settlement of accounts. As a person skilled in the art to which the present invention pertains, reference is made to and / or modified It is possible to deduce various methods (for example, omitting some steps or changing the order) regarding the trauma settlement process. However, the present invention includes all the methods of the above-mentioned inheritance, The technical characteristics are not limited only by the method shown in FIG.
Referring to FIG. 4, when the first through n-th credit ratings are subdivided into M payment classes through the process shown in FIG. 2, the credit evaluator server 100 determines that the customer (400) the m < th > payment level corresponding to the n < th >
The credit evaluator server 100 determines a payment grace period of the customer for foreign currency settlement on the basis of the n < th > credit rating and / or the m < th & (410), determines an external payment mode (415), and provides the determined payment suspension period, interest rate per period, and foreign currency payment method to the payment request server 170 (420).
The settlement request server 170 confirms the payment delay period, the interest rate and the state of payment according to the period of the foreign currency settlement customer (425), and compares the trauma limit determined through the process shown in FIG. 2, (430), based on the payment grace period, the interest rate per period, and the out-of-pocket payment method.
If the settlement request is processed, the settlement request server 170 generates a foreign currency trade receivable for the settlement (430).
According to an embodiment of the present invention, the settlement request server 170 determines whether the payment due period of the foreign trade receivables is due (435), and before the payment grace period ends, (440), and the customer terminal (165) used by the customer displays the amount claim of the foreign trade receivable (445). The settlement request server 170 checks whether the payment grace period of the foreign trade receivables has elapsed (450). If the grace period of the receipt of the foreign trade receivables has elapsed, the settlement request server 170 delivers the amount of the foreign trade receivable through the designated financial server 175 (455).
FIG. 5 is a diagram illustrating a process of managing a foreign currency receivable of a credit evaluation company according to an embodiment of the present invention.
More specifically, FIG. 5 illustrates a process in which the credit evaluator server 100 purchases and manages a foreign trade receivable from the settlement request server 170, and if a person skilled in the art is familiar with the present invention , It is possible to refer to and / or modify the FIG. 5 to derive various implementation methods (for example, omitting some steps or changing the order) of the foreign trade receivables management process. However, And the technical features of the present invention are not limited only by the method shown in FIG.
Referring to FIG. 5, the settlement request server 170 sells the foreign trade receivables of a specific trafficking customer as a credit evaluator 500, and the credit evaluator server 100 transmits a settlement request (505) of the foreign trade receivables of the specific trafficking customer.
Here, the customer's foreign trade receivable can be processed by evaluating the bond through the credit rating server 100's credit rating, estimated recovery rate, etc., and measuring the recovery rate.
The credit evaluator server 100 checks whether the payment due period of the purchased foreign trade receivables has come to an end (510), and requests the customer for the amount of the foreign trade receivable before the payment suspension period ends (515 ), And the customer terminal 165 used by the customer displays the amount claim of the foreign trade receivable (520). The settlement request server 170 confirms whether the payment grace period of the foreign trade receivable has passed (525). If the grace period of the receipt of the foreign trade receivables has elapsed, the settlement request server 170 distributes the amount of the foreign trade receivable through the designated financial server 175 (530).
100: credit evaluation company server 105: information storage unit
110: rating determination unit 115: target verification unit
120: customer authentication unit 125: rating verification unit
130: Trauma limit determining unit 135: Grace period determining unit
140: interest rate determination unit 145: payment mode determination unit
150: Bond management section 155: Amount claim section
160: Payment settlement unit 165: Customer terminal
170: Payment request server 175: Financial server
Claims (12)
A first step of storing information on a customer for settlement of a settlement belonging to first to nth (1? N <N) credit classes among N (N> 1)
A second step of confirming whether a customer corresponding to the customer identifier is a customer for a settlement of accounts and performing a designated identity authentication process when a customer identifier for processing an account settlement is received from an affiliated payment request server; And
(N < = n < = n) credit rating of the first to n < th > credit classes belonging to the customer for foreign currency settlement, And a third step of processing the settlement limit so as to determine the limit of the trauma of the customer to be settled, the grace period of the payment, the interest rate per each period,
Wherein the credit rating is a first credit rating is a best credit rating.
Processing membership of a customer for foreign settlement whose identity is identified through a designated authentication process among the customers belonging to the first to n-th credit classes; And
And storing the information on the registered customer for foreign currency settlement.
further comprising the step of confirming at least one identity authentication procedure corresponding to the customer for the account settlement among j (j? 1) identity authentication procedures,
Wherein the second step is to perform at least one of the identified authentication procedures.
Further comprising subdividing the first to n-th credit ratings into M (M? N) payment classes based on i (i? 1) designated evaluation items designated by the credit evaluator,
And checking the m (1? M? M) payment class to which the customer belongs among the M payment classes when the authentication of the customer of the foreign currency settlement target is completed,
The third step is to process the settlement limit of the customer for foreign currency settlement to be determined based on the n'th credit rating of the customer to which the foreign currency settlement target belongs through the settlement request server, Wherein the processing is performed such that the payment grace period for the settlement of accounts, the interest rate for each period, and the state of payment are determined based on the mth settlement class.
An evaluation item designated through the credit evaluator among the evaluation items contributing to the determination of the first through the n-th credit ratings,
And the at least one evaluation item among the evaluation items scoring the trauma settlement history.
Wherein the method is used for selecting at least one of a payment suspension period, an interest rate for each period, and an out-of-pocket payment method.
And a period during which the settlement amount can be paid without a separate interest rate or at a minimum reference rate.
The minimum reference interest rate set in the payment grace period based on the n '
The initial delinquency rate at the time of exceeding the grace period set in proportion to the grace period,
And an interest rate corresponding to at least one of the delinquency rates increasing from a time exceeding the payment delay period in proportion to the excess period.
A collective payment method or a divided payment method for the settlement amount,
Wherein the split payment method is not set to be delayed even if the split payment period exceeds the payment suspension period.
Wherein the settlement request server further processes the transaction history information of the customer for foreign currency settlement held by the settlement request server so as to determine the foreign currency limit for the foreign currency settlement customer, the payment delay period, the interest rate for each period, A method of providing a non -
Periodically monitoring a credit rating of a customer to which an initial trauma limit is given at the time of initial member registration from the payment request server;
Further comprising the step of notifying the settlement requesting server of a change in the credit rating as a result of the monitoring.
When the settlement is processed,
A fourth step of purchasing a foreign trade receivable of a foreign settlement customer from the settlement requesting server;
A fifth step of claiming the amount corresponding to the foreign trade receivable to the customer for settlement of accounts; And
And a sixth step of processing payment settlement of the requested amount.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020130092681A KR20150016794A (en) | 2013-08-05 | 2013-08-05 | Method for Providing Non-Medium Payment based on User’s Authentication |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020130092681A KR20150016794A (en) | 2013-08-05 | 2013-08-05 | Method for Providing Non-Medium Payment based on User’s Authentication |
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| Publication Number | Publication Date |
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| KR20150016794A true KR20150016794A (en) | 2015-02-13 |
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| KR1020130092681A KR20150016794A (en) | 2013-08-05 | 2013-08-05 | Method for Providing Non-Medium Payment based on User’s Authentication |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR101909465B1 (en) * | 2018-04-02 | 2018-10-18 | 주식회사 제이윈파트너스 | Realtime credit rating information providing service system based on telecommunication transaction information |
| KR20190042908A (en) | 2017-10-17 | 2019-04-25 | (주)크라클팩토리 | Credit transaction processing apparatus and method |
| KR20190049095A (en) | 2017-11-01 | 2019-05-09 | (주)크라클팩토리 | Credit transaction processing apparatus and method |
| KR20190049094A (en) | 2017-11-01 | 2019-05-09 | (주)크라클팩토리 | Credit transaction processing apparatus and method |
| WO2019147520A1 (en) * | 2018-01-25 | 2019-08-01 | The Bartley J. Madden Foundation | Dynamic economizer methods and systems for improving profitability, savings, and liquidity via model training |
| WO2023106443A1 (en) * | 2021-12-06 | 2023-06-15 | 쿠팡 주식회사 | Electronic device for providing pay-later service and method thereof |
-
2013
- 2013-08-05 KR KR1020130092681A patent/KR20150016794A/en not_active Application Discontinuation
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20190042908A (en) | 2017-10-17 | 2019-04-25 | (주)크라클팩토리 | Credit transaction processing apparatus and method |
| KR20190049095A (en) | 2017-11-01 | 2019-05-09 | (주)크라클팩토리 | Credit transaction processing apparatus and method |
| KR20190049094A (en) | 2017-11-01 | 2019-05-09 | (주)크라클팩토리 | Credit transaction processing apparatus and method |
| WO2019147520A1 (en) * | 2018-01-25 | 2019-08-01 | The Bartley J. Madden Foundation | Dynamic economizer methods and systems for improving profitability, savings, and liquidity via model training |
| KR101909465B1 (en) * | 2018-04-02 | 2018-10-18 | 주식회사 제이윈파트너스 | Realtime credit rating information providing service system based on telecommunication transaction information |
| WO2023106443A1 (en) * | 2021-12-06 | 2023-06-15 | 쿠팡 주식회사 | Electronic device for providing pay-later service and method thereof |
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