KR20150139359A - Virtuous living interest-free loan fees instantly payments loan system using the debit card and loan method of thereof - Google Patents

Abstract

The present invention relates to a system and a method for virtuous cycle interest-free fee-free living expense instant payment loan using a check card. The system comprises: a customer classifying means (10); a bankbook and card issuing means (20); a card use amount confirming means (30); a card use state confirming means (40); a card use limit increasing means (50); a principal repayment operating means (60); an interest rate managing means (70); a card use detail managing means (80); and databases (DB1, DB2, and DB3). The method comprises: a customer classifying step (Step S1); a bankbook and card issuing means (Step S2); a card use amount confirming step (Step S3); a card use state confirming step (Step S4); a card use limit increasing step (Step S5); a principal repayment operating step (Step S6); an interest rate managing step (Step S7); a card use detail managing step (Step S8); and a data managing step (Step S9). According to the present invention, incomes and revenues are maximized for both economic agents of a bank which operates a check card system and an enterprise, a person, and a government that are member customers who use a check card; a directly operated franchise store can easily raise social welfare improvement funds and various development funds and can create jobs; a cooperative franchise store has the effects of increasing sales due to fixed customers, promoting a franchise brand, and activating ordinary household economy; and a general franchise store has an excellent advantage of activating market economy with efficient consumption and of quality of life and happiness with a benefit of an interest-free economy service.

Description

[0001] The present invention relates to a credit card payment system and a credit card payment method,

More particularly, the present invention relates to a system and method for instant payment of an unpaid interest-free payment of living expenses using a check card, and more particularly, , A virtuous circle check card that can be used from a certain amount for each customer by using a virtuous circle financial distribution method that enables infinite repetitive settlement is issued to the customer by the financial institution and the customer purchases the commodity with the fixed income regardless of the credit in the bank According to the agreement of the credit card, the merchant establishes a limit for the customer who guarantees the buyer, and the customer can immediately repay the loan at the time of checking the terminal at the merchant until the maximum amount gradually increased through the credit evaluation, Advance payment with no checks fee using a check card Living expenses An instant payment lending system and a loan method.

The credit card payment system of the credit card company currently in use is a method in which the card user who uses the card is used every month (the remaining limit can not be used on a monthly basis) and is paid in one lump sum on the designated settlement day of the next month. This current artificial postcredit credit card system not only consumes a high rate of interest but also consumes an average of 4 ~ 5 cards per user, and if it becomes difficult to settle the payment with a fixed income, it will receive a high rate of cash service It is the fact that it is blocking the card turning.

On the other hand, the same problem also arises in the case of a check card which enables the use of cash only within the balance of a passbook held by a consumer or a customer.

As mentioned above, the current artificial lump-sum reimbursement settlement system is a system in which the consumer of a user has a high rate of cash service interest and a high interest rate due to a stagnation of the circulation of money due to the difficulty of the household economy of the ordinary people, If the logistics distribution slows down and the logistics distribution slows down, the producers and manufacturers will be stuck, and the people of ordinary people will have too many difficulties to regenerate their articles because their household debt is increasing day by day.

Accordingly, there is a strong demand for a technical system and system that can circulate money (money) that dominates the economic activities of the industrial society, the ceremony, and the whole state. In particular, the money should be circulated unsteady in order to solve and satisfy the consumers, the financial customers of the goods or services, the food, the state.

According to the economic realities of Korea, the number of people with credit disruptions is 3.5 million, and 6.8 million people are in crisis due to a credit card crisis. More than 30% of the economically active population is experiencing economic hardship. According to the data of the National Statistical Office in 2010, the household debt of 45,890,000 won per household, and the per capita debt of 16,490,000 won, the government recognized it as a serious social problem, and stopped using credit cards and encouraged the use of check cards. The economic realities of the ordinary people seem to be the fact that more than 80% of the people are suffering from lack of monthly account balance. According to the same statistics, the number of small defaults of less than one million won has increased steadily since 2009, and 59% of the overdue borrowers are using credit card companies' credit cards, It is the government's policy that only 6.8 million people will be allowed to issue check cards due to credit card issuance restrictions (2012.4.9 / SBS, MBN news report).

Nowadays, the economic reality of the common people is that the cash service rate is over 26% per year on average and the card delinquency rate is close to 30%. This high rate is becoming the main revenue source of credit card companies. In addition, 64% of workers in Korea are paid 12 days after receiving the salary (June 12, 2011 in the Korea Daily), and it is known that my salary is mine or credit card company. to be. In spite of the fact that consumers are the main players in the financial circulation, the profitability pursuit has become the responsibility of credit card companies. In 2010, card companies' operating revenues exceeded 14.5 trillion won.

As a result of the financial reality that financial distribution is in a state of arteriosclerosis, the household economy of the ordinary people is seriously stagnated, the circulation consumption of the necessities is lowered, the economy of the consumer finance market is slowed, the number of the bad credit people is increased and the young unemployed increase, This is a vicious circle.

Accordingly, the present invention has been completed while investigating methods for resolving the identity of the household economy, the corporate economy, and the corporate economy of the financial defaulters and the people in crisis.

The object of the present invention is to provide a financial circulation system in which a financial institution can make a virtuous cycle from a predetermined amount by using a virtuous circle financial circulation method that enables infinite repetitive settlement for 365 days within a limit amount set by a financial institution without a cash balance in a customer's passbook. This system is designed to facilitate the circulation of daily commodities by issuing check cards to customers, as well as a virtuous circle of zero interest payment fee using a check card that can revive the credit defaulters, A settlement lending system and a loan method.

Another object of the present invention is to provide a system and a method for automatically charging a credit amount to a maximum amount through a gradual self-credit evaluation, This is to provide a virtuous circle free of charge fee using a check card that establishes a healthy card use culture that can prevent the illegal payment.

Another object of the present invention is to provide a system and a method for providing a virtuous circle interest payment system using a check card capable of improving the competitiveness of companies that manufacture daily necessities by achieving so-called virtuous circle financial distribution, And a loan method.

According to the information of the customer who has issued the check card, the customer can receive a fixed-income earner who is a fixed monthly wage and a member who is a registered member of the Check Card cooperative merchant And other customers; A bankbook and a card issuing means 20 for issuing a bankbook, a principal reimbursement passbook and a card in which a predetermined loan is deposited in a bank from a bank by a customer according to an application of a customer; A card usage amount checking means (30) for checking the card usage amount of the customer; A card use state checking means (40) for checking a card usage state in which a customer has purchased a commodity at a card cooperation merchant that has committed a cooperation relationship with a bank to attract and secure a virtuous circle check card customer; Card use amount increasing means (50) for increasing the amount of used loan according to the card use state of the card use state checking means (40); A principal repayment operating means (60) for managing the repayment of the principal loaned with the zero interest fee; An interest rate management means (70) for calculating an interest rate with respect to deposits deposited in the bank at the check card cooperation merchant; Card usage specification management means (80) for managing the usage specification of the customer's card usage history and storing the usage specification in the database (DB 1) as the account information; And a plurality of databases (DB 1, DB 2, DB 3) for storing various kinds of information.

In addition, according to the present invention, the method for instant payment of a non-interest-free commission fee for living expenses includes a customer classification means (10) for classifying a customer as a fixed income earner who is a fixed monthly wage and a member A customer classification step (S1 step) for classifying the customer and other customers; A bankbook and a card issuing step (S2) for issuing a bankbook and a principal reimbursement passbook and a card in which a predetermined loan is deposited from a bank to a customer by an application of a customer according to the bankbook and the card issuing means 20, Step; A card usage amount checking step (S3) of checking the card usage amount by the card usage amount checking means (30); A card use status confirmation step (S4) of confirming a card usage status in which a customer has purchased a commodity from a card cooperative merchant that has committed a cooperative relationship with a bank to attract and secure a virtuous card customer, )Wow; (S5) for increasing the degree of use of the card by the card usage limit increasing means 50 in accordance with the card usage state of the card use state checking step (S4); A principal repayment management step (S6) for managing the repayment of the principal loaned by the principal repayment operating means (60) with no interest free commission; An interest rate management step (S7) in which the interest rate management means 70 calculates the interest rate with respect to the deposit deposited at the bank at the check card cooperation merchant; A card use specification management step (S8) of managing the use specification of the customer's card usage details by the card usage specification management means (80) and storing the usage specification in the database (DB1) as the account information; And a data management step S9 for storing the customer ledger, the account ledger, the customer information, the account information and the account system in the databases DB1, DB2, and DB3.

The present invention is based on a virtuous circle financial circulation method that enables an infinite repetitive settlement for an unlimited period of 365 days within the limit amount set by the financial institution even if there is no cash balance in the customer's account, To the customer, thereby enabling the circulation of daily commodities. In addition, it is possible to revive the credit defaulters by considering the above-mentioned national economic reality and taking into account the enhancement of national competitiveness, If the limit is set even when the payment date is overdue, it will be paid automatically with no interest and fee, so as to save the common people who are in bad credit condition and establish a sound card use culture. When using a virtuous circle check card as a transportation card, Living not only unnecessary but also no interest, no fee By achieving an immediate payment and immediate distribution of the so-called virtuous finance lending it has special advantages to improve the company that manufactured the gyeongjaengryeokreul of commodities.

The present invention will now be described in detail with reference to specific embodiments. However, the scope of the present invention is not limited to the above embodiments, and the present invention can be applied to a virtually instantaneous returnless interest payment system using the check card. The scope of the present invention is not limited to the order of the system and the new usage method including the partial change of the numbers.

1 is a flowchart of card use and payment approval information of a card settlement system according to the present invention;
FIG. 2 is a block diagram of a system for instantly circulating a zero-rate, zero-commission,
FIG. 3 is a flow chart showing a method of executing a virtuous circle interest free payment of living expenses method using a check card according to the present invention,
4 is a detailed flowchart of the passbook and card issuing step according to the present invention,
FIG. 5 is a flow chart of a payment approval according to the use of a check card according to the present invention,
FIG. 6 is a detailed flowchart of the card use state checking step of FIG. 3,
7 is a flowchart of the increase in the loan amount according to the present invention,
8A is a flowchart showing an embodiment of a method of increasing a loan amount, that is,
8B is a flowchart showing an embodiment of a method of increasing a loan amount, that is,
9A is a flow chart showing an embodiment of principal repayment,
9B is a flow chart showing an embodiment of principal repayment,
10 is a flow chart of principal repayment according to the present invention,
Figure 11 shows an advantageous advantage according to the invention,
12 is a view showing an embodiment of a franchise point according to the present invention.

Best Mode for Carrying Out the Invention The present invention will be described in detail below with reference to the accompanying drawings.

The present invention is a virtuous circle free of charge fee. The payment system for instant payment of living expenses is a virtuous cycle in which a customer opens a bank account in a bank and joins as a check card member, and a customer who purchases a check card purchases products from each card cooperating merchant nationwide, Immediate Loan Immediately, the bank that intends to introduce financial distribution methods and financial products by check cards that are repayable by principal repayment will immediately conclude a contract with the customer who has issued the check card and the principal repayment direct debit payment system.

However, when the bank commits the financial product of the present invention to the loan company, the contract for operating the system of the present invention is concluded with the loan company. In this case, the operation system is created by the computer program software of both the bank and the loan company Configure the hardware to run some shares.

FIG. 1 is a flow chart of card usage and settlement approval information of the card settlement system according to the present invention. FIG. 2 is a block diagram of a system for instantly circulating a virtuous- FIG. 4 is a detailed flowchart of a passbook and a card issuing step according to the present invention, FIG. 5 is a flowchart of a payment approval according to the use of a check card according to the present invention, and FIG. 8 is a flowchart showing an embodiment of a method of raising a loan, that is, a method of raising a fixed amount, and FIG. 8B is a flowchart showing an example of a loan FIG. 9A is a flow chart showing an embodiment of principal repayment, and FIG. 9B shows an embodiment of principal repayment. 11 is a diagram showing an advantageous effect according to the present invention, and Fig. 12 is a view showing an embodiment of a franchise point according to the present invention. Free interest payment system The payment settlement system for immediate payment is based on the information of the customers who apply for the check card and the customer is classified as a fixed income earner who is a monthly fixed income person, Classification means (10); A bankbook and a card issuing means 20 for issuing a bankbook, a principal reimbursement passbook and a card in which a predetermined loan is deposited in a bank from a bank by a customer according to an application of a customer; A card usage amount checking means (30) for checking the card usage amount of the customer; A card use state checking means (40) for checking a card usage state in which a customer has purchased a commodity at a card cooperation merchant that has committed a cooperation relationship with a bank to attract and secure a virtuous circle check card customer; Card use amount increasing means (50) for increasing the amount of used loan according to the card use state of the card use state checking means (40); A principal repayment operating means (60) for confirming whether the principal loaned with the zero interest non-payment fee is repaid; An interest rate management means (70) for calculating an interest rate with respect to deposits deposited in the bank at the check card cooperation merchant; Card usage specification management means (80) for managing a customer card usage specification; And a plurality of databases (DB 1, DB 2, DB 3) for storing various kinds of information.

The card is preferably a check card, and the bankbook and the card issuing means 20 are provided in the bank. When there is a request for opening a principal reimbursement passbook from a customer, the customer is classified into a customer classification means 10, And issue a loan account book, a principal repayment account, and a card.

The card usage status checking means 40 determines whether the card usage is normal according to the maximum loan amount according to the type of the customer. The card usage status checking means 40 checks the card usage status of the customer classification means 10, , The customer is classified according to the type of customer, and the card usage confirmation is changed according to the type of the customer. In the case of the general member, up to 1,200,000 won, for the VIP member up to 9,000,000 won, for the super VIP member, Prestige) members will be increased to 15 million won by increasing the card usage limit (50) and will be immediately loaned. That is, when the card is normally used for a certain period of time, the card use limit increasing means 50 increases the degree of use of the card by raising the customer's rating by increasing the credit limit.

In addition, the principal redeeming operation means 60 includes a bank, and checks whether the principal is redeemed according to the card usage amount and the principal payment method confirmed by the card usage amount confirmation means 30 It is means.

The interest rate management means 70 is a means for confirming that the bank pays the interest on the money deposited in the bank W for the guarantee of the customer to the check card cooperation franchisee by the check card cooperation franchisee.

It is preferable that the card use specification management means 80 manages the card usage details for each customer as well as for each customer and stores the data in the databases DB 1, DB 2, and DB 3 as customer information.

In the meantime, according to the present invention check card, the method for prompt payment of the living expenses immediately includes the steps of: a customer classification means (10) for classifying the customer into a fixed income earner who is a fixed monthly wage and a registered member A customer classification step (S1 step) for classifying the customer and other customers; A bankbook and a card issuing step (S2) for issuing a bankbook and a principal reimbursement passbook and a card in which a predetermined loan is deposited from a bank to a customer by an application of a customer according to the bankbook and the card issuing means 20, Step; A card usage amount checking step (S3) of checking the card usage amount by the card usage amount checking means (30); A card use status confirmation step (S4) of confirming a card usage status in which a customer has purchased a commodity from a card cooperative merchant that has committed a cooperative relationship with a bank to attract and secure a virtuous card customer, )Wow; (S5) for increasing the degree of use of the card by the card usage limit increasing means 50 in accordance with the card usage state of the card use state checking step (S4); A principal repayment management step (S6) for managing the repayment of the principal loaned by the principal repayment operating means (60) with no interest free commission; An interest rate management step (S7) in which the interest rate management means 70 calculates the interest rate with respect to the deposit deposited at the bank at the check card cooperation merchant; A card use specification management step (S8) of managing the use specification of the customer's card usage details by the card usage specification management means (80) and storing the usage specification in the database (DB1) as the account information; And a data management step of storing the customer ledger, the account ledger, the customer information, the account information and the account system in the databases DB 1, DB 2 and DB 3 (step S 9).

It is preferable that the passbook and the card issuing step (step S2) issue issuing bankbook and principal repayment bankbook to issuance passbooks and issue check cards to issuing cards.

If the customer is a fixed income person in the bankbook and card issuing step (step S2), he / she lends 50 to 80% of the regular amount of money to the cost of living and plunges 20 to 50% A virtuous circle check card is issued. In other words, as shown in FIG. 4, if the customer is a fixed income earner who is a fixed monthly salary, it is determined whether or not there is a regular salary in step S100. If there is a regular salary, in step S101, Card, and in step S102, 50 to 80% of the regular amount is borrowed to the cost of living, and the loan of 20 to 50% of the regular amount is loaned with no guarantee.

If the customer is a registered member of the Check Card cooperative merchant in the passbook and card issuing step (step S2), the Check Card cooperating merchant commits a cooperation relationship with the bank to attract and secure a virtuous circle check card customer, We issue a virtuous circle check card with the deposited deposit limit as a loan. In other words, as shown in FIG. 4, if the customer is a member registered as a member of the check card cooperative merchant store, it is determined at step S200 whether or not there is a deposit deposited at the bank for the member of the check card cooperative merchant shop, In step S201, the banknote issuer issues a bankbook, a principal reimbursement passbook, and a check card. In step S202, the bank lends the loan to the unsecured account in the deposit.

If the customer is another customer in the above passbook and card issuing step (S2), 10% of the amount deducted by the customer for the year is deposited in the bank as a deposit for principal repayment, and a virtuous circle check is made as the deposit Issue a card. In other words, as shown in FIG. 4, if the customer is the other customer, it is determined whether or not 10% of the yearly amount has been deposited in step S300. If there is a deposit, in step S301, the loan money account book, principal reimbursement passbook and check card are issued , And in step S302, the loan is lent within the deposit to the unsecured loan.

In step S3, it is determined whether the amount of use of the check card is within the passbook (step A). If the amount of the check card is within the passbook, the account is immediately approved as the account balance (step C) (Step B) and then repay the loan at the later principal repayment management step (step S6).

The card use state checking step (S4 step) includes a member checking step (S11 to S14) for checking the type of the member; A card use period confirmation step (S15, S16) for confirming use of the card for a predetermined period; A principal repayment confirmation step (S17 and S18) for confirming the repayment of the principal during a predetermined period; A limit amount confirmation step (S19 to S22) for confirming the amount of the loan; (Step S23 to step S26) for approving the increase in the loan amount.

In addition, the card usage state checking step (S4) may be performed when the user first redeems 70% of the principal for 60 days or 90 days after 100% And the case of repayment of 70% of the principal amount together with the use of 100% of the amount.

The principal repayment management step (S6) includes a member confirmation step (S101 to S104); A usage amount confirmation step (S105) of confirming the usage amount for each member type for 20 days; A balance checking step (S106) of checking whether or not the balance is confirmed in the usage amount checking step (S105); A balance reimbursement step (step S107) of reimbursing the balance from day 21 on a daily basis, when it is confirmed that the balance exists in the balance check step (step S106); And a loan repayment step (S108) in which if the balance is confirmed as a result of the checking step (S106), the loan is repaid to the increased loan amount.

Here, the repayment amount that is repaid on a daily basis is different for each member type. For example, if you are a regular member who loaned 600,000 won, you will be reimbursed 30,000 won a day. If you are a VIP member, you will receive 60,000 won a day. If you are a Super VIP member, 90,000 won a day.

In the interest rate management step (S7), the interest on the amount of money deposited in the bank W by the holding company GSL for the guarantee of the customer is removed from the bank in real time, And to pay to the holding company (GSL).

Hereinafter, the present invention will be described in more detail by way of examples.

Example

If the bank directly operates the financial product according to the method of payment of the living expenses immediate payment method using the check card of the present invention, as shown by an arrow in solid line in FIG. 1, The customer who uses the card, the card cooperative merchant terminal, the vendor, the affiliate card company, and the bank are checked to confirm the credit limit of the bank and the account balance of the customer, Card company → vendor → card cooperation It is transferred to the merchant and the use of the card is approved.

In addition, if the bank uses the check card of the present invention, the cash payment system will be the information on the use of the card. Card partner merchant's terminal → a vendor → an affiliate card company → a bank → a partner company to check the credit limit of the partner company and the customer's account balance, and the card payment approval information from the partner company → bank → affiliate card company → vendor → card The card is transferred to the cooperative merchant and the use of the card is approved.

As described above, the method of instantly circulating zero-interest, zero-surcharge, and non-payment of living expenses using the check card according to the present invention in which the check card is used and the approval payment is used in real time is first performed in the customer classification step (S1 step) The customer is classified into a fixed income earner who is a fixed monthly wage, a member member who is a member of a Check Card cooperative merchant shop, and other customers in accordance with customer information. In the passbook and card issuing step (step S2) (Step S3) of issuing a credit card account and a card reimbursement passbook and a card in which a predetermined loan is deposited in a bank from a bank to a non-interest free account according to a customer's application, The usage amount confirmation means 30 confirms the customer's card usage amount.

In the card use state checking step (S4), the card use state checking means (40) confirms the card usage state in which the customer purchases the necessities from the card cooperation merchant that has committed the cooperation relationship with the bank to attract and secure the circulation check card customer And increases the degree of use of the card by the card usage limit increasing means 50 in accordance with the card usage state of the card use state checking step (S4) in the used increase step (S5) (Step S6) to the principal repayment operating means 60 to manage the repayment of the principal loaned with no interest fee.

Then, at the interest rate management step (S7), the interest rate is settled on the deposit deposited at the check card cooperative merchant store to the interest rate management means 70, and the card usage specification management means (step S8) DB 2, and DB 3 in the data management step S9 (step S9), and then, The customer ledger, the account ledger, the customer information, the account information, and the account system.

Example  One

Increased use

The degree of use of the card is increased by the card use state checking means 40 in accordance with the card use state of the card use state checking step S4 (Step S4). In accordance with the use of the prescribed card for a predetermined period and principal repayment, Similarly, there is a method of increasing the limit after using the 100% limit solution and a method of increasing the limit when the limit is not used 100% in a certain period as shown in FIG. 8b.

For example, if you use 100% of the defined limit as follows, and the principal repayment is 70% based on 60 days, you increase the 1st grade limit. If you use 100% of the defined limit and the principal repayment is 60% , And the amount is increased to the third grade when 100% of the deduction limit is used and the principal repayment is 50% of 60 days.

In addition, if you use 100% of the defined limit and the principal repayment is 70% based on 90 days (quarterly), you increase the 1st grade limit, and after using 100% of the prescribed limit, if the principal repayment is 90% If the principal is repaid at 90% (quarterly) 50% after the 100% threshold is used, the limit shall be increased to the 3rd grade.

Example  2

Increased use

According to a preferred embodiment of the system for prompt payment of the living expenses of the check card of the present invention, each bank is allowed to repeatedly pay the customer three million won every quarter for a lifetime without interest and no fee to escape from the stress of money A virtuous circle check card system is introduced and operated.

The customer's card limit amount is divided into the initial limit (A) of 600,000 won and the additional limit (B) of 600,000 won. In the case of the initially used member of 600,000 won (general member) To 120,000 won as the card usage limit, and the rating is made as a VIP member. Also, for customers who set the initial limit (A) at 1.2 million won, the additional limit (B) is increased by 1.2 million won after 2 months, and the card is used for 2.4 million won. In addition, for customers who set the initial limit (A) to 9 million won, the additional limit (B) is raised by 3 million won after 2 months, and the card is upgraded to a super VIP customer of 12 million won. The customer who has used the initial used card (A) for 12 million won increases the additional limit (B) by 3 million won after 2 months, and the card usage is increased to 15 million won for the prestige customer 8a and 8b).

Example  3

Loan method 1: General loan method of the present invention

According to the virtuous circle financial distribution method, 100% of the credit limit of the card customer is used regardless of the account balance, and for example, the repayment method of the principal is used for 1 day 20 In the process of daily settlement after the day, 100% use of the set limit may be 20 days or 20 days later. If 100% of the prescribed limit is used 20 days before, 100% is repaid from the next day after use, and when 100% of the prescribed limit is used after 20 days, the remaining limit is automatically settled after the remaining limit. The balance is made up of principal.

In other words, the principal repayment date may be 10 days, 10 days later, 20, 25, 30, 35, 40, 45, 50, 55 or 60 days to allow customers to escape the stress of money, It is possible to create.

If the customer has used the limit set by the financial institution, and the limit set in the process of repaying the principal with no interest fee is 600,000 won, 100% is used. If the next use is made, the principal will be repaid promptly Can be used.

At this time, if the customer wishes to use the check card more, the amount of the principal payment is immediately settled in the account of the limit set by the financial institution in the account balance of the customer's account, so the check card terminal due to the loan immediately, It will be approved payment.

For example, if you set a limit of KRW 600,000, you would use 100% for 20 days if you used KRW 30,000 a day. You can use the remaining limit of KRW 30,000 for the 21st day after the repayment of KRW 30,000.

However, if the amount used on the 1st day is 30,000 won, and the amount used on the 21st day is 50,000 won, the amount spent for 20,000 won is the principal repayment payment and the loan is made immediately on the remaining limit, meaning that the credit card is approved by the merchant do.

Loan Method 2: How to Loan a Check Card Limit Immediately

According to a preferred embodiment of the method for instant payment of the payment of the living expenses in accordance with the present invention, the first limit to the user of the check card is set to be less than 6 million won (statistics of monthly eating habits per household are 600,000 won or more) Increase according to the ratio of the principal repayment rate (70% or more first grade, 60% or more and less than 70% second grade, 50% or more and less than 60% third grade) If the period is fixed and the fixed period (1st grade has a longer period of increase and 3rd grade has a longer period of delay), increase the additional ② 600,000 won, and further set the limit based on the ratio of the principal repayment rate to 60 days. , And further increase the limit for the eligibility to be set up in accordance with the ratio of the principal repayment rate as of the 60th day to ④16 million KRW, and to further increase it according to the ratio of the principal repayment rate based on the 60- ⑤ Increase the amount of ⑤ 20,000 won and raise the limit for the further development according to the ratio of the principal repayment rate based on the 90th day to ⑥3 million won and immediately make a loan so that the approval payment is immediately made at the terminal of the card cooperative merchant, The reimbursement payment will be made immediately. From now on, according to the ratio of the principal repayment rate based on the 90-day basis, the limit for further development is increased by 3 million won, so that the amount of less than 12 million won is used as an infinite repetition over a lifetime without charge. As a result of customers' accumulation of bank account balance, the virtuous circle of money will contribute to the economic development of the common people, the market economy, the activation of card cooperating merchants, the activation of SMEs, job creation, social welfare and national management.

Example  4

Principal repayment method (Every day from 1 to 20 days every month 30,000 won  If used)

(1) and (1) to (20), we used 100,000 won for the budget of 600,000 won every day, and 30,000 won for the (21) It is possible to use 30,000 won.

Principal repayment method (Every day from 1 to 20 days every month More than 30,000 won  If used less)

If you use less than 30,000 won every day from 1st to 20th of the month, you can use it more than once the next day.

However, less than 30,000 won can be used in (21) and more than 30,000 won can be used. At this time, when the defined limit is 100%, when the customer waits for the approval of the amount checked on the card terminal, the customer will be paid the principal repayment regardless of the date in the balance of the account, It is done at the same time. For this reason, approval and settlement can be repeated several times a day.

Therefore, it is possible to have the automatic payment of the loan without charge and the check fee card for instant payment of living expenses can be made once a day, twice, and more than 10 times per day depending on the use by the customer.

In this way, it helps the people in the household to contribute to the household economy, leads the continuous growth, contributes to social welfare, and has the effect of being able to grow together with finance, business, ordinary people and social welfare.

Example  5

Virtuous Circulation Check Card Instant Loan and Instant Payment

According to the method of increasing the limit as described above, the user who has issued the check card of the credit card company makes a principal repayment after using 100% of the predetermined limit amount, and the principal repayment method is performed 20 days before and after the first use day , The amount used today may be 20 days or 20 days after the 20th day of using 10% in the process of making a principal repayment every month.

When 100% of usage limit is 20 days ago, 10% of the first day of the used day will be redeemed and the limit of the principal repayment will be enough to use the check card. If the 100% usage limit is 20 days later, the principal amount will automatically be repaid at the limit remaining on the 21st of the day, so the principal repayment date may be 10 days or 10 days later and 20 days Or 20 days later. However, if you do not want to overpay, it is best to pay 100% of the limit for 20 ~ 25 days and repay the principal.

In addition, according to the ratio of the repayment rate of the check card users who use the check card from 60 days to 90 days (70% or more first grade, 60% or more and less than 70% second grade, 50% When the limit is further increased by the credit evaluation, the principal repayment date may be 25 days before and after 30 days, 40 days, 50 days, 60 days after the remaining limit is 100% There are days before and after days. If the principal repayment rate is 70% or more, the income for 209 days or later of the year will be accumulated in the account balance. In this way, using the check card with no interest fee for about 12 million won per year for a lifetime, the customer is free from the stress of money, the new customer is easy to attract because of the affluent feeling of happiness, Will become a thoroughly enthusiastic member of the family who will trust and trust the believer.

Example  6

Instant loan if you have a lot of money used today than the amount you repaid today, promptly repay the principal

A card user who has been issued a check card by the bank will call the first day of use of the limit set as 1 day and use 100,000 won for a daily allowance of 60,000 won using the daily allowance of 30,000 won from 1st to 20th day, You can use 30,000 won today as a rechargeable payment method. However, the check card according to the present invention can be used more than 30,000 won, which is the principal repayment on the 21st.

At this time, if you exceed 100% of the credit limit and wait for approval of the payment amount checked in the check card terminal of the cooperative merchant, after confirming the account balance of the user who used the check card, if the balance is not available, The approval payment is made at the check card terminal by the loan, and the principal repayment payment is immediately made in real time at the bank at the balance of the account.

In this way, it is possible to repeat the payment of the loan card several times a day, and the payment and principal repayment in real time will be carried out in real time. Depending on the user, it may be repeated several times during one day.

Example  7

Immediate use when using check card for general public transport Payment approval and prompt payment of principal

Currently, the transportation card company, Smart Traffic Card, is paying for the transportation expenses for the amount that the public transportation user charges and charges a certain amount. When the charge amount is exhausted, it is troublesome to charge again and charge a certain amount. In addition, since the check card of the transportation card function issued by the bank is settled within the balance of the account, it is inconvenient to pay the transportation fee in cash if the balance is insufficient.

However, if the check card according to the present invention is used for transportation expenses of the general public transportation, the user is allowed to pay the interest in the virtuous circle check card immediately without any interest fee and immediately repay the principal, regardless of the balance of the account. If you do not have a balance in your bankbook, you will be able to approve the settlement immediately after the use of the transportation fee with no interest fee for 365 days a year or a lifetime limitless repetition within the amount set by the bank that issued the check card. It can be conveniently used without inconvenience of recharging the card by repayment of the principal twice or once a week.

As described above, the flow of information according to payment approval of transportation expenses using the check card of the present invention is as follows.

Checked card user → Public transportation terminal → Public transportation affiliate card company → Confirmation of customer's limit for bank → Confirmation of customer's account balance → Public transportation affiliation card company → Approval of payment for public transportation terminal.

Table 1 shows the commission income when the check card is used as a transportation card.

Transportation fee card use fee revenue (based on 18 won per user fee) Transportation Card Fee
(Per case) One-day Transportation Card
Number of Uses    1 million    5 million      10 million       18 won       3.5 times  $ 63,000  $ 315,000   $ 630,000,000

Example  8

As soon as the bank intends to purchase a large amount of the product by installment in addition to the immediate repayment of the loan immediately by the devised limit of the above embodiment,

(One). If the check-guard according to the present invention is intended to purchase a product with an installment price of less than 10.75 million KRW, if the loan is immediately approved by the bank, the method by which the check card user pays the principal is based on 365 days a year and 730 days It is desirable to settle the purchase amount of the commodity by 1 / N (N is the number of days of repayment of the total principal amount) after 20 days from the date of purchase of the commodity so that the principal repayment is made.

(2). When the purchase amount of the installment product is 300,000 won, it is reimbursed 1/10 of the principal amount as of 30 days, and when it is 60,000 won, it is based on 60 days, when it is 1 million won, it is 100 days. It is recommended that the principal be repaid by dividing by 1 / N (N is the number of repayment days of the total principal) per day on the basis of about 200 days when it is 2.5 million won to 3 million won.

(3). If you purchase a large amount of product with a check card for 3 years (1095 days), it is desirable to be able to repay the principal at 1 / N of 1095 days of the loan amount. In the same way, the standard date of purchase of the loan product is calculated on the basis of 5 years (1825 days), 10 years (3650 days), 20 years (7300 days) and 30 years (10950 days) 1 / N to repay the principal amount. At this time, it is desirable that the bank should obtain the intermediary distribution revenues of the card cooperating merchant in consultation with the production and manufacturing company, and allow the customer who is the check card user to repay the principal only with no interest and no fee.

As a result, banks can automatically circulate money (money), leading to joint growth in all areas of society and industry, thereby contributing greatly to national management and competitiveness.

Check Card With a one-day lump-sum payment, you can immediately check your principal repayment billing system. The amount of the loan can be less than 100,000 won, less than 200,000 won, less than 300,000 won, The maximum amount does not exceed 400,000 won per month on average. However, as the principal repayment rate increases by more than 70%, it is the principal repayment system and method as soon as the maximum amount of the receivable does not exceed 600,000 won for check card users even when they are additionally determined every quarter. Therefore, the commission income from card merchants will increase relatively.

Therefore, it is desirable that the check card user who is the subject of consumption is to use the check card with no interest and no fee, and the check card user can solve all the use of the card with one virtuous check card, The article is an instant auto-recurring living expenses instant payment loan system and loan method that can be revived. Therefore, the use of the check card according to the present invention promotes the consumption through the general merchant, thereby activating the market economy, and improving the quality of life (happiness index) by the benefit of the zero interest payment service.

Example  9

There may be a delinquency due to insufficient bank account balance of the check card user on the day of repayment of principal repayment day. At this time, the bank shall not rely on the time and date regardless of the reference date within the limit set for the check card user, so that if the principal repayment is made by the charging method from time to time, do. However, it will be disadvantageous to the following additional limits by its credit rating standards. Also, if there is no reuse at all over 60 days to 90 days, there is a need for an institutional device to recover the principal and lose the qualification of the check card.

According to a preferred embodiment of the system for prompt payment of the living expenses, the virtuous circle financial distribution method as shown in FIG. 3 is operated between the bank and the customer using the check card.

As can be seen from FIG. 1, if the customer requests to open a bankbook in accordance with a contract for the joint operation of the system for the payment of a virtuous circle interest free payment of living expenses in accordance with the present invention check card between the contracting party bank and the customer using the check card, Will issue a bankbook through each branch and provide services to the customer.

The customer's service will make a purchase request from the card cooperating merchant. At this time, the customer pays the service fee using the check card issued through each branch of the bank.

According to the result of the present invention, some of the merchandise commission income of the nationwide merchant's commission income of the check card financing distribution profit is the system and the method of the present invention in which the check card issued by the bank to the customer who is the check card user is obliged to use more than 12 million won , It is possible to use 70% ~ 80% of the card consumption settlement market at the present 55% level by the statistical data in which the consumption of over 3.17 million won per household is used. Therefore, it is possible to create added value by increasing the fee income of the check card credit card cooperation merchant merchant as shown in Table 2 below.

Card Merchant Merchant commission income  Per check card Card cooperation merchant
Commission average 1.5%     One million     5 million     10 million  US $ 1,000 per month     $ 15  $ 150,000   $ 750,000  1,500,000,000 won  US $ 1.50 per month     $ 22  $ 225,000 $ 1,125,000,000  $ 2,250,000,000  Two million won a month.     30,000 won  $ 300,000 1,500,000,000 won  3,000,000,000 won

As a result of the implementation of the present invention, the card merchant fee that can be obtained through each branch of the bank is 50 million won, that is, 1.5 million won per month, assuming that the monthly average living cost per household is 3.17 million won when the merchant customer is 100,000 The monthly proceeds are 1.58 billion won, and the annual proceeds are 28.44 billion won. In this way, if the franchisee / customer is seen to be 7.7 million, the annual fee for the franchise card issuance is 1.459 trillion won.

According to the embodiment of the present invention, the remittance fee and the ATM commission that can be obtained through each branch of the bank are 1 X monthly average of 10 X 500 won = 5,000 won assuming the remittance fee of one card user is 0.8% The commission is 1 X monthly average 10 times X 1,000 won = 10,000 won. In case of 1 million merchant member / customer, the total commission fee and ATM commission totaled to 180 billion won, which is 420 billion won The total annual revenue of the company is 820 billion won and the total revenue is 1,220 billion won. As described in detail with respect to the first to eighth embodiments, the method of instantly circulating zero-interest zero-surcharge free living expenses using the check card of the present invention is as follows. The structure of the short-term net profit (as of 2010) It is possible to obtain the estimated money of the check card settlement fee of the payment method of the instant settlement lending method, the transfer fee and the estimated commission of the ATM commission according to the embodiment of the present invention as shown in Table 4.

Net profit per cardholder (2010)      Operating Revenue      Operating Expenses      Net Income   S.H card     4.91 trillion won     2.9118 trillion won     1.1 trillion won   B card    3,135 billion won      3,264 billion        31 billion   S card    3 trillion 277.3 billion      2.444 trillion won     1,156.2 billion won   H card    2 trillion 277 billion     1,886.6 billion       356.2 billion   L card    1,240.6 billion won      1.68 trillion won       138 billion   Other     392.5 billion       555.5 billion         -589 billion

Virtuous Circle Check Card Payment Fee Estimated Earnings (Direct Merchant) Business name
   Quantity Monthly usage
Monthly usage
       Revenue (Mon) Revenue (years)
 Calculation method     Price

Card merchant
fees  100,000 Per household
Average monthly living expenses
3.17 million won
(SBS: 05.21)
Holding company check
Card payment basis
50%
158 million won  155 billion
apply
1.0%

Now
Monthly amount
1.5%  1.58 billion 28.44 billion  200,000  790 billion    7.9 billion  14.2 billion  1 million  1.58 trillion won   15.8 billion  189.6 billion  3 million  4.74 trillion won   47.4 billion  568.8 billion  5 million  7.9 trillion   79.4 billion  952.8 billion  7.7 million  12.16 trillion won 121.66 billion  1.459 trillion won

Virtuous Circle Check Card Remittance Fee and ATM Fee Estimated Earnings (Direct Merchant) Card
Number of Users Transfer fee
(90.8%)   Year profit       ATM fee    Year profit    1 person 5,000 won
(1 person * 10 times a month * 500 won) 10,000 won
(1 person * 10 times a month * 1,000 won)  100,000      500 million won  6 billion won        1 billion won  12 billion won  500,000      2.5 billion won  30 billion won        5 billion won  60 billion won  1 million      5 billion won  60 billion won        10 billion won  120 billion won  2 million      10 billion won  120 billion won        20 billion won  240 billion won  5 million      25 billion won  300 billion won        50 billion won  600 billion won  7 million      35 billion won  420 billion won        70 billion won  840 billion won

According to the fourth embodiment of the present invention, as shown in FIG. 12, various services can be performed according to the type of the franchisee. As shown in FIG. 12, for example, in order to maximize the profits of direct merchants, cooperative merchants, and general merchants, it is necessary to carry out asset proliferation with differentiated services, to create a national love development fund, Job creation can be done.

When the check card payment system is authenticated and implemented from the Financial Supervisory Service, the right card culture will be established to dramatically increase the usage rate of the check card, and it will be possible to carry out the highest priority of the government policy including the activation of the small- In addition, it is a very useful invention in the financial distribution industry because it has an excellent effect of systematizing and exporting financial distribution system of developing countries and developing countries.

10: customer classification means 20: passbook and card issuing means
30: Card use amount checking means 40: Card use state checking means
50: Card use limit increase means 60: Principal repayment operating means
70: interest rate management means 80: card use specification management means
DB 1, DB 2, DB 3: Database

Claims (15)

A customer classification means 10 for classifying the customer as a fixed income earner who is a fixed monthly wage, a member member who is a member of a check card cooperation merchant, and other customers in accordance with information of a customer who has an application for issuing a check card; A bankbook and a card issuing means 20 for issuing a bankbook, a principal reimbursement passbook and a card in which a predetermined loan is deposited in a bank from a bank by a customer according to an application of a customer; A card usage amount checking means (30) for checking the card usage amount of the customer; A card use state checking means (40) for checking a card usage state in which a customer has purchased a commodity at a card cooperation merchant that has committed a cooperation relationship with a bank to attract and secure a virtuous circle check card customer; Card use amount increasing means (50) for increasing the amount of used loan according to the card use state of the card use state checking means (40); A principal repayment operating means (60) for managing the repayment of the principal loaned with the zero interest fee; An interest rate management means (70) for calculating an interest rate with respect to deposits deposited in the bank at the check card cooperation merchant; Card usage specification management means (80) for managing the usage specification of the customer's card usage history and storing the usage specification in the database (DB 1) as the account information; A virtuous circle free of charge fee using a check card composed of a large number of databases (DB 1, DB 2, DB 3) for storing various information. 2. The method according to claim 1, wherein the customer is classified as a general member, a VIP member, a super VIP member or a Prestige member according to creditworthiness and the maximum loan amount is 1.2 million won for a general member, 9 million won for a VIP member, 10,000 won, Prestige member of 15 million won, which is characterized by the use of check cards. 2. The system of claim 1, wherein the card usage status checking means (40) checks whether the card usage is normal according to the maximum loan amount according to the type of customer. . 2. The method according to claim 1, wherein the principal redeeming operation means (60) is provided in the bank and the reimbursement of the principal is properly performed according to the card usage amount and the payment method of the principal confirmed by the card usage amount confirmation means (30) And the check card is a means for confirming whether or not the check card is used. The credit card management system according to claim 1, wherein the interest management means (70) confirms that the check card cooperative merchant pays the interest on the money deposited in the bank (W) Wherein the checkout card is a means for transferring a cashier's fee. A customer classification step (S1) of classifying a customer as a fixed income earner, a member of a check card cooperating merchant, and a customer as a fixed monthly wage, according to customer information; A bankbook and a card issuing step (S2) for issuing a bankbook and a principal reimbursement passbook and a card in which a predetermined loan is deposited from a bank to a customer by an application of a customer according to the bankbook and the card issuing means 20, Step; A card usage amount checking step (S3) of checking the card usage amount by the card usage amount checking means (30); A card use status confirmation step (S4) of confirming a card usage status in which a customer has purchased a commodity from a card cooperative merchant that has committed a cooperative relationship with a bank to attract and secure a virtuous card customer, )Wow; (S5) for increasing the degree of use of the card by the card usage limit increasing means 50 in accordance with the card usage state of the card use state checking step (S4); A principal repayment management step (S6) for managing the repayment of the principal loaned by the principal repayment operating means (60) with no interest free commission; An interest rate management step (S7) in which the interest rate management means 70 calculates the interest rate with respect to the deposit deposited at the bank at the check card cooperation merchant; A card use specification management step (S8) of managing the use specification of the customer's card usage details by the card usage specification management means (80) and storing the usage specification in the database (DB1) as the account information; A prepayment-free interest-free fee using a check card consisting of a customer management ledger, account ledger, customer information, account information, and account management system (S9 step) in the database (DB 1, DB 2, DB 3) Loan method. The method according to claim 6, wherein if the customer is a fixed income person in the bankbook and card issuing step (step S2), 50 to 80% of the regular amount is borrowed as the living expenses, Of the amount of money to be borrowed, and a virtuous circle check card which uses the check card as a loan. 7. The method according to claim 6, wherein, in the passbook and the card issuing step (S2), if the customer is a registered member of the Check Card cooperative merchant member, the Check Card cooperative merchant cooperates with the bank to attract and secure a virtuous circle check card customer A virtuous circle check card that pledges the relationship and deposits the limit on the deposit deposited in the bank. 7. The method of claim 6, wherein if the customer is another customer in the passbook and card issuing step (step S2), the customer deposits 10% of the amount set aside for the annual repayment deposit to the bank, Of the amount of money to be borrowed, and a virtuous circle check card which uses the check card as a loan. The method according to any one of claims 6 to 9, further comprising the step of determining whether the amount of use of the check card is within the passbook (step A) in the step of checking the card usage amount (step S3) And if it is not in the account, promptly accepts the payment as a loan, and then repays the loan after the step of repayment of the principal (S6). 10. The method according to any one of claims 6 to 9, wherein in the step of checking the card usage amount (step S3), if the check card is used as a traffic card, it is determined whether the amount of money is in the passbook (step A) If you do not have a bank account, you can pay the loan immediately. If you do not have a bank account, you can use the check card to pay the loan immediately. Instant payment method. 7. The method according to claim 6, wherein the step of checking the card use state (step S4) comprises: a member checking step (S11 to S14) of checking the type of the member; A card use period confirmation step (S15, S16) for confirming use of the card for a predetermined period; A principal repayment confirmation step (S17 and S18) for confirming the repayment of the principal during a predetermined period; A limit amount confirmation step (S19 to S22) for confirming the amount of the loan; (Step S23 to step S26) for approving the increase in the amount of the loan. 7. The method according to claim 6, wherein the principal repayment management step (S6) comprises: a member confirmation step (S101 to S104); A usage amount confirmation step (S105) of confirming the usage amount for each member type for 20 days; A balance checking step (S106) of checking whether or not the balance is confirmed in the usage amount checking step (S105); A balance reimbursement step (step S107) of reimbursing the balance from day 21 on a daily basis, when it is confirmed that the balance exists in the balance check step (step S106); And a loan repayment step (S108) for repayment of the increased loan amount if there is no balance as a result of the checking step (step S106). 13. The method of claim 12, wherein the redemption amount for each member type is a daily amount of 30,000 won for a general member, 60,000 won for a VIP member, 90,000 won for a super VIP member, and 120,000 won for a prestige member. Non - commissionable living expenses Instant payment method. 7. The method according to claim 6, wherein in the interest rate management step (S7), interest in the amount of money deposited in the bank (W) by the holding company (GSL) The interest is calculated in real time on the amount of money and paid to the holding company (GSL).

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