KR20160086171A - Method for deciding credit card installment fee and system for deciding credit card installment fee using the same - Google Patents

Abstract

An embodiment of the present invention relates to a determination method of a credit card installment commission and a determination system therefor. The technical purpose of the present invention is to allow a payer to choose a card installment commission rate in order to make the payer and a payee to share an interest rate for sharing a profit therebetween. The method comprises: a connection authentication step of authenticating connection to the credit card installment commission determination system; a settlement information provision step of providing standard item information, discount rate information, and installment month information; a settlement information selection step of selecting a desired standard item, a desired discount rate, and a desired installment month from the standard item information, the discount rate information, and the installment month information; a calculation information provision step of providing monthly-payment charge information; and a settlement performing step of performing settlement.

Description

TECHNICAL FIELD [0001] The present invention relates to a method for determining a card installment fee and a system for determining the card installment fee,

One embodiment of the present invention relates to a method for determining a card installment fee fee and a decision system for the same, which enables a payer to select a card installment fee rate.

Generally, the total card usage limit is the sum of lump sum transaction, installment transaction amount, and cash service. Each item is again capped within the card usage limit. The limit of each item and the card usage limit is determined by the creditworthiness of the card user. Card users can purchase products and use cash services within each limit.

In addition, the installment transaction to be used as a card is a payment period within a period of 10 months. The seller charges the card company for the payment amount, and the card company sends the card payment amount to the seller. The card company asks the user of the card to make a payment for the card. The card user pays the installment fee together with the installment fee to the credit card company. Card installment fees are set differently depending on the card installer months, card users, and so on.

On the other hand, medical expenses are a considerable burden for individual members who frequently use the hospital. Recently, there are many medical related sites in need of medical information. However, there is a problem that it is difficult to freely select a desired hospital by comparing the fees charged to various hospitals or the installment fee rate at the time of card settlement.

Open Publication No. 2003-0068722 " Network-based medical information providing system and method " Open Patent Publication No. 10-2010-0107366 A method and system for operating medical bill payment service using a telephone bill and a recording medium therefor

The embodiment of the present invention allows the payer and the payer to share the interest rate by allowing the payer who wants to purchase or receive the goods or service to pay the interest rate on the card installment, A method of determining a card installment fee and a decision system therefor that can divide the interests of both the payer and the payer.

A method of determining a card installment fee and a determination system therefor according to an embodiment of the present invention is a method for determining a card installment fee fee to be performed by a card installment fee determination system managed by a payee for a cost of a goods or service, A connection authentication step of authenticating a connection to the card installment fee determination system based on membership information input from a cost payer who wishes to use a cost to be paid; Providing at least one standard item information for payment to the payment payer, at least one discount rate information for the payment, and installment month information; A payment information selecting step of selecting a desired standard item, a discount rate, and a installment month from the standard item information, discount rate information, and installment month information by the cost payer; Providing settlement information to the cost payer by providing actual cost information of the standard item and monthly payment information calculated by the standard item, discount rate, and installment month; And a settlement step of performing settlement of the standard item according to the selection of the cost payer, wherein the monthly payment amount information is different from the settlement fee rate charged by the payee and the payee in the first period of time . ≪ / RTI >

The discount rate may be set differently for at least one item among the general use, the employee, the VIP, the employee immediate family, the employee introduction, and the business.

The first period may be 10 months or 12 months, and the installment fee rate is not imposed on the cost payer in the first first period, and the installment fee rate is imposed on the cost payer in accordance with the month, The second first period next to the first first period is charged to increase the installment fee rate at the same rate to the cost payer and the cost payer respectively according to the month, and the third first period following the second first period The installment fee rate may not be imposed on the payer of the cost, and the installment commission rate may be imposed on the cost payer in accordance with the month.

When the expense settlement person selects expiration of the first first period as the installment month number with respect to the actual cost, the total amount paid by the expense settlement person may be the same amount as the actual cost.

In addition, according to another embodiment of the present invention, a card installment fee determination system for performing a method of determining a card installment fee fee, the system comprising: a card installment fee determination system based on membership information input from a cost payer A connection authentication unit for authenticating a connection of the terminal; A payment information providing unit for providing at least one standard item information for payment to the payment payer, at least one discount rate information for the payment and installment month information; A payment information selection unit for selecting a desired standard item, a discount rate, and a installment month from among the standard item information, discount rate information, and installment month information by the cost payer; A settlement information providing unit for providing the cost payer with actual cost information of the standard item, and monthly payment information calculated by the standard item, the discount rate, and the installment month; A payment performing unit for performing settlement of the standard item by the selection of the cost payer; And a controller for installing an installment fee determination program and controlling the operation of each component constituting the card installment fee determination system by executing the installment fee determination program, The settlement commission rate to be paid by the payee and the payee can be set to be different.

This card installment fee determination system is a standard item DB that stores standard item information including a large category item and a small category item for each large category item; A discount rate DB for storing discount rate information for at least one item of general use, employee use, VIP use, employee immediate family use, employee introduction, and business use; And an installment month fee DB for storing finance or product model information and installment fee information according to installment months.

The installment fee rate may be set differently depending on the type of the card.

The method for determining the card installment fee and the determination system for the card installment fee according to the embodiment of the present invention allows the payer and the payer to share the interest rate by selecting the card installment fee rate for the payer who wants to purchase or receive the goods or service, It is possible to divide the interests of both the payer and the payer, thereby improving the efficiency of card use.

In addition, an embodiment of the present invention allows the payee to pay a part of the installment fee rate after a predetermined period of time for a payer who desires long-term installment, thereby reducing the burden on the payer.

1 is a flowchart illustrating a method of determining a card installment fee according to an embodiment of the present invention.
2 is a block diagram schematically showing a card installment fee determination system according to another embodiment of the present invention.
3 is a block diagram showing a configuration of the card installment fee determination system of FIG.
4A to 4E are diagrams illustrating a process for determining an installment fee when a card installment fee determination system according to another embodiment of the present invention is applied to a hospital management system.
FIG. 5 is a diagram illustrating a chart reflecting the installment fee determined by the card installment fee determination system according to another embodiment of the present invention.

The terms used in this specification will be briefly described and the present invention will be described in detail.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. Also, in certain cases, there may be a term selected arbitrarily by the applicant, in which case the meaning thereof will be described in detail in the description of the corresponding invention. Therefore, the term used in the present invention should be defined based on the meaning of the term, not on the name of a simple term, but on the entire contents of the present invention.

When an element is referred to as "including" an element throughout the specification, it is to be understood that the element may include other elements as well, without departing from the spirit or scope of the present invention. Also, the terms "part," " module, "and the like described in the specification mean units for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software .

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

1 is a flowchart illustrating a method of determining a card installment fee according to an embodiment of the present invention.

Referring to FIG. 1, a card installment fee determination method according to an embodiment of the present invention is a method for determining a card installment fee by a card installment fee determination system managed by a cost payee for a cost of a goods or service, Step S10, payment information providing step S20, payment information selecting step S30, settlement information providing step S40, and settlement performing step S50. In the present invention, the card installment fee determination system is applied to a credit card as an example. However, the present invention is not limited to this and can be applied to bank lending and capital business.

The connection authentication step (S10) is a step of authenticating the connection to the card installment fee determination system based on the member information inputted from the cost payer who intends to pay the cost using the card. To this end, the cost payer accesses the card installment fee determination system, inputs member information, and is registered and authenticated as a member. For example, the member information may include personal information such as an ID, a password, a name, a contact name of the payee, payment information such as card information and account information of the payee, and information such as a treatment history, And may include medical information. Such member information may be variously changed or added depending on the field to which this card installment fee determination service is applied.

The payment information providing step (S20) is a step of providing at least one standard item information for settlement, at least one discount rate information for settlement, and installment month information to the payment payer. That is, the payment information providing step (S20) provides detailed information on the standard items for settlement, the discount rate, and installment months to the payment payer connected to the card installment fee determination system.

The discount rate is set differently for at least one item among general use, employee, VIP, employee immediate family, employee introduction, and business use. Here, the item information on the discount rate may be variously changed according to fields providing the card installment fee determination service.

Also, the monthly payment amount information is set so that the installment fee rate to be paid by the cost payer and the payee at a first interval is different. At this time, the first period may be set to 10 months or 12 months.

Also, in the first period of the installment month, the installment fee rate is not imposed on the payer, and the installment commission rate is imposed on the payer in accordance with the month. That is, the first 10 months or 12 months of the installment month will be subject to the installment fee rate only for the payee. Accordingly, when the expense settlement person selects the first expiry of the first period as the installment month number with respect to the actual cost, the total amount paid by the expense settlement person may be the same amount as the actual cost.

Also, in the second first period subsequent to the first first period, the installment fee rate is charged to the cost payer and the cost payer at the same rate, respectively, in accordance with the month. That is, for the second 10 months or 12 months of the installment month, the installment fee rate is 50%, which is the same rate for both the settlement payer and the cost payer.

Also, in the third first period subsequent to the second first period, the installment fee rate is not charged to the payer of the cost, and the installment fee rate is charged to the installer in accordance with the month. That is, for the third 10 months or 12 months of the installment month, installment fees are charged only to the payer.

The payment information selection step S30 is a step of selecting a standard item, a discount rate, and a installment month from the standard item information, discount rate information, and installment month information by the cost payer. In addition, the payment information selection step S30 can select the financial model or the product model corresponding to the installment month, the monthly payment amount, or the cost information of the product when the cost payer wants to receive the cost information.

The settlement information providing step (S40) provides the actual settlement cost information of the standard item, the monthly payment information calculated by the standard item, the discount rate, and the installment month. In addition, the settlement information providing step (S40) may include providing the installment month and the cost information of the commodity to the cost payer, regardless of the installment fee, when the cost payer selects the financial model, and when the cost payer selects the commodity model , Installment fee, and monthly payment amount information.

Lastly, the settlement step S50 is a step of performing settlement of a standard item by selecting a cost payer. That is, the settlement step S50 can perform payment for the standard item and installment month desired by the payment payer.

Hereinafter, a card installment fee determination system to which the card installment fee determination method according to an embodiment of the present invention as described above is applied will be described in detail with reference to FIG. 2 and FIG.

FIG. 2 is a block diagram schematically showing a card installment fee determination system according to another embodiment of the present invention, and FIG. 3 is a block diagram showing a configuration of a card installment fee determination system of FIG.

2 and 3, a card installment fee determination system according to another embodiment of the present invention includes a connection authentication unit 210, a payment information providing unit 220, a payment information selection unit 230, A discount rate DB 280, an installment month fee DB 290, and a control unit 260. The control unit 260 controls the settlement unit 240, the payment execution unit 250, the standard item DB 270,

2 and 3 correspond to a subject performing each step constituting the card installment fee determination method of FIG. 1, and for the sake of convenience of explanation, the respective components of the card installment fee determination method of FIG. 1 Will be described in association with the steps. However, the parts that overlap with the description of FIG. 1 will be omitted or briefly explained.

The connection authenticating unit 210 performs a connection authenticating step and authenticates the connection to the card installment fee determining system based on the member information input from the paying payer terminal for paying the fee using the card . 4A to 4E, the connection authenticating unit 210 may charge a card based on the member information input from the payee terminal for setting information for providing the card installment fee determination service, As well as to authenticate the connection to the Internet.

The payment information providing unit 220 is a unit for performing the payment information providing step and includes at least one standard item information for payment to the payment payer, at least one discount rate information for settlement and installment month information .

The settlement information selection unit 230 selects a standard item, a discount rate, and a installment month from the standard item information, the discount rate information, and the installment month information by the payer of the payment information, .

The settlement information providing unit 240 is responsible for providing the settlement information providing step with the actual cost information of the standard item and the monthly payment information calculated by the standard item, the discount rate and the installment month .

The settlement performing unit 250 performs the settlement of the standard item by the payment payer's choice.

The standard item DB 270 stores a large classification item and a small classification item for each large classification item.

The discount rate DB 280 stores discount rate information for at least one item among the discount rate set for the general use, the employee, the VIP, the employee's immediate family, the employee introduction, and the business.

The installment monthly fee DB 290 stores financial or product model information and installment fee information according to installment months.

Although not shown, this card installment fee determination system includes various information (for example, product information, business information, order or reservation information, event information, and the like) related to the card installment fee determination service and a control unit 260 And a memory unit for storing a program for processing and controlling the program. The memory unit may perform a function for temporarily storing input / output data. In addition, the memory unit may include a web storage for performing a storage function on the internet.

The standard item DB 270, the discount rate DB 280, the installment month fee DB 290, and the memory unit may include a flash memory type, a hard disk type, a multimedia card micro type a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) A magnetic disk, a magnetic disk, an optical disk, a programmable read-only memory (PROM) magnetic memory, a magnetic disk, and an optical disk.

The present card installment fee determination system is provided by the connection authenticating unit 210, the payment information providing unit 220, the payment information selecting unit 230, the settlement information providing unit 240 and the payment performing unit 250 And a display unit (not shown) for displaying data to be processed. Such a display unit uses any one of an LCD (Liquid Crystal Display), an LED (Liquid Emitting Diode), an OLED (Organic LED), and an AMOLED (Active Matrix OLED)

The control unit 260 is provided with an installment fee determination program and executes the installment fee determination program so that each component (that is, the connection authentication unit 210, the payment information providing unit 220, The payment information selection unit 230, the settlement information providing unit 240, the settlement unit 250, the standard item DB 270, the discount rate DB 280, and the installment month fee DB 290) Role. That is, the control unit 260 provides each information for selecting a card installment fee rate to a payer who wants to purchase or receive a commodity or a service, by executing the installment commission decision program, It is possible to control the payment to be made accordingly.

The card installment commission determination system also includes a DB for implementing each function to participate in an event related to the service, or to provide services such as management of goods or business information, reservation management, payment management, A system (not shown), an information management system (not shown), and the like.

Meanwhile, the card installment fee determination system includes a level calculator for calculating the payer level based on the card usage information input from the payer terminal and the service utilization report, in order to encourage the payer of the service to receive the service, And a point providing unit (not shown) for providing an online point to a payment payer having a predetermined payer level based on the payer level calculated by calculating the payment level.

More specifically, the level calculating unit calculates the payer level according to Equation (1) based on items such as the service use frequency of the payer terminal, the service evaluation frequency, the number of times of providing the ideal service information, and the number of recommended members. In the present invention, a cost payer using the card installment fee determination system, which is viewed through the payer level, can be divided into an excellent user and a general user to provide points or provide another marketing.

The level calculator may calculate the payer level according to Equation (1).

[Equation 1]

는 해당 차주의 항목별 변수값들의 평균값이고, σ _i 는 해당 결제자의 항목별 변수값들의 표준편차이다. Here, i is an item number, n is the total number of items, a _i is an automatic weight value by item, w _i is an arbitrary weight value by item, t _j is a weight value by time, x _ij is a variable by time value Value,

Is the average value of the variable values of the corresponding borrower, and σ _i is the standard deviation of the variable values of the corresponding payer.

For example, a _i , w _i , and t _j among the above-described variables will be described in detail. For example, a _i is a value obtained by dividing the total number of users of the service by the total number of users , And w _i corresponds to a weight value to be arbitrarily given by the administrator for each item. In addition, t _j is a value of 5 multiplied by the number of use when using an item within the past one month, a value of 3 multiplied by an item within 1 to 3 months, a value of 2 multiplied by 3 to 6 months, It is a value of 1 multiplied by a month, and can be a value of 0.5 multiplied by a year before the activity. Here, the number of users may be the number of users who have operated more than the reference number of times (for example, once or twice) for the item.

The point providing unit provides an online point to a cost payer having a predetermined payer level based on the payer level calculated by calculating the payment level. The online point may be used when participating in various events provided by an affiliate server (not shown) on the mobile, and may be provided as an online gift right to a payment terminal of a desired payee. The kind and purpose of the online point are not limited in the present invention.

Hereinafter, a process for determining a card installment fee and a settlement process applied to a hospital management system according to another embodiment of the present invention will be described in detail with reference to FIGS. 4A to 5 do. 4A to 5 illustrate the case where the payee is the hospital, the payee is the patient, and the card installment fee determination system for providing the card installment fee determination service is the hospital management server.

4A to 4E are diagrams illustrating a process of determining an installment fee when a card installment fee determination system according to another embodiment of the present invention is applied to a hospital management system, This figure shows a chart that reflects the installment fee determined by the installment fee determination system.

When the card installment fee determination system is applied to the hospital management system, the card installment fee determination system can provide services such as participating in events in medical law, management of hospital information, reservation management, payment management, and counseling bulletin board.

More specifically, as shown in FIG. 4A, the hospital manager who wishes to receive the card installment fee determination service logs on to authenticate his or her hospital as a franchisee by accessing the hospital management server and performs an authentication procedure. For this purpose, the hospital manager inputs the hospital ID and the password.

Then, as shown in FIG. 4B, the hospital manager sets at least one standard item information for settlement. The standard item may include a large category item and a small category item. For example, as the standard items, the major classification items may include treatment items such as implants, orthodontic treatment, prosthetic treatment, preservation, periodontal, pediatric dentistry, tooth whitening, and the like. In addition, the subcategory items as the standard items may include specific treatment items for each major category item. For this purpose, the hospital manager can select menu items, add a major classification, input a major classification name, input a major classification, change a major classification order, input a small classification, delete a large classification, input a small classification, input a small classification, Input, sub-category deletion, product addition, product name input, product unit price input, product manufacturing station input, product warranty period input, product deletion, standard item storage. On the other hand, the standard item may be variously changed according to the design purpose and intention of the hospital manager who desires to receive the card installment fee determination service.

Then, as shown in FIG. 4C, the hospital manager inputs discount rate information for settlement. At this time, the discount rate may be set differently for at least one item among the general use, the employee, the VIP, the employee immediate family, the employee introduction, and the business. For example, the discount rate may be set at 0% for general use, 30% for employees, 15% for VIP, 20% for immediate family members, 10% for employee introduction, and 20% for business. For this purpose, the hospital manager selects a discount policy menu, selects a general discount rate, inputs a discount rate for employees, inputs a discount rate for VIP, inputs a discount rate for employees, enters an introduction discount rate, enters a discount rate for a company, do. Meanwhile, the discount rate may be variously changed according to the design purpose and intention of the hospital manager who desires to receive the card installment fee determination service.

Then, as shown in FIG. 4D, the hospital manager sets a financial or commodity model and can set an installment fee according to the installment month. At this time, the installment fee may be set differently for hospitals and patients in different periods. For example, the above-mentioned installment fee may be set at a ratio that the hospital and the patient bear at 10-month intervals.

More specifically, as shown in FIG. 5, when the installment month is 24 months, and the installment fee is set to 10 months, the installment fee is not charged to the patient from the first 10 months, And from 11 months to 20 months, the installment fee rate for patients and hospitals should be set so as to increase substantially according to the month, and to be imposed only on the patient side from 20 months to 24 months, . Accordingly, when the patient selects 10 months as the installment month number for the actual cost, the total amount paid by the patient may be the same amount as the actual cost. For this, the hospital manager selects the commission setting menu, sets the financial / product model, stores the model setting, confirms the installment month, confirms the installment fee, confirms the customer charge rate, confirms the customer charge rate, confirms the customer charge rate, , Input of raw medical expenses for calculation simulation, inputting the number of installment months for calculation simulation, confirmation of hospital settlement amount after application of medical expenses / installment month, and the like.

Also, as shown in FIG. 4E, the hospital management server automatically creates and outputs a treatment plan book that includes installment month information based on a history consulted with a hospital manager, a patient, or inputted information on-line. For this purpose, the hospital manager can select a storage history menu, enter a storage date, input a search word, confirm a member name, check a chart number, check the installment month, check a registration date, The selected storage history is deleted, and so on.

According to the method for determining the card installment fee and the determination system for the card installment fee according to the embodiment of the present invention, the card installment fee rate is selected for the payer who wants to purchase or receive the goods or service, It is possible to share the interests between the payee and the payer, thereby improving the efficiency of card use. In addition, according to the method for determining the card installment fee and the determination system for the card installment fee, the payee pays a portion of the installment fee rate after a predetermined period for a payer who desires long-term installment, thereby reducing the burden on the payer.

The present invention is not limited to the above-described embodiment, but may be modified in various ways as set forth in the appended claims. The present invention is not limited to the above- It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

10: Payer terminal 20: Card installment fee determination system
30: Payee terminal 210: Connection authentication unit
220: Payment information providing unit 230: Payment information selection unit
240: Settlement information providing unit 250:
260: controller 270: standard item DB
280: Discount rate DB 290: Monthly installment fee DB

Claims (7)

A fee for the cost of a product or service. A method of determining a card installment fee performed by a system for determining a card installment fee managed by a payee,
A connection authentication step of authenticating a connection to the card installment fee determination system based on membership information input from a cost payer who wants to pay a cost using the card;
Providing at least one standard item information for payment to the payment payer, at least one discount rate information for the payment, and installment month information;
A payment information selecting step of selecting a desired standard item, a discount rate, and a installment month from the standard item information, discount rate information, and installment month information by the cost payer;
Providing settlement information to the cost payer by providing actual cost information of the standard item and monthly payment information calculated by the standard item, discount rate, and installment month; And
And a settlement step of performing settlement of the standard item by selection of the cost payer,
Wherein the monthly payment amount information is set such that the installment fee rate to be paid by the payee and the payee is different at an interval of the first period.
The method according to claim 1,
Wherein said discount rate is set differently for at least one item of general use, employee, VIP, employee immediate family, employee introduction, and business use.
The method according to claim 1,
The first period may be 10 months or 12 months, and the installment fee rate is not imposed on the cost payer in the first first period, and the installment fee rate is imposed on the cost payer in accordance with the month, The second first period next to the first first period is charged to increase the installment fee rate at the same rate to the cost payer and the cost payer respectively according to the month, and the third first period following the second first period Wherein the installment fee rate is not imposed on the cost payee and the installment fee rate is imposed on the cost payer so that the installment fee rate increases according to the month.
The method of claim 3,
And the total amount paid by the cost payer is the same amount as the actual cost when the cost payer selects the first period expiration as the installment month number with respect to the actual cost.
A card installment fee determination system performing the card installment fee determination method according to any one of claims 1 to 4,
A connection authentication unit for authenticating a connection to a card installment fee determination system based on membership information input from a cost payer who wants to pay a cost using the card;
A payment information providing unit for providing at least one standard item information for payment to the payment payer, at least one discount rate information for the payment and installment month information;
A payment information selection unit for selecting a desired standard item, a discount rate, and a installment month from among the standard item information, discount rate information, and installment month information by the cost payer;
A settlement information providing unit for providing the cost payer with actual cost information of the standard item, and monthly payment information calculated by the standard item, the discount rate, and the installment month;
A payment performing unit for performing settlement of the standard item by the selection of the cost payer; And
And a control unit that is provided with a installment fee determination program and controls the operation of each component constituting the card installment fee determination system by executing the installment fee determination program,
Wherein the monthly payment amount information is set so that an installment fee rate to be paid by the payee and a payee at an interval of the first period is changed.
The method of claim 5,
A standard item DB for storing standard item information including a large category item and a small category item for each large category item;
A discount rate DB for storing discount rate information for at least one item of general use, employee use, VIP use, employee immediate family use, employee introduction, and business use; And
And an installment month fee DB for storing finance or product model information and installment fee information according to installment months.
The method of claim 5,
Wherein the installment fee rate is set differently according to the card type.

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