KR20160097956A - Method of Group account provide service to prevent embezzlement, and apparatus thereof - Google Patents

Abstract

The present invention relates to a group account providing service method to prevent embezzlement, and an apparatus thereof. The method checks a meeting attendant attending a meeting through distance comparison by receiving position from a terminal device to use a group payment account. In case a meeting attendance rate is calculated and is equal to or above a previously established reference attendance rate, the method judges that a payment condition is satisfied. In case the payment request of an affiliated store terminal by an input at a member terminal device satisfies a meeting category established by referring to the objective of the meeting, interested field of the meeting and details of activity of the meeting and a payment approval range established by referring to the meeting category, a service device approves the payment request. Thus, when joint fund is managed in a group meeting, the method can prevent a fund manager from using or withdrawing the fund for a dishonest purpose in advance. Also, whether to approve the payment is determined according to the attendance rate of the meeting members. Only when the payment target item accords with the objective and the intent of the meeting, the payment is approved and thus unnecessary expenditure is prevented. Thus, the joint fund of the group can be managed transparently.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of providing a group account for preventing embezzlement,

The present invention relates to a group account providing service, and more particularly, to a group account providing service, in order to prevent unauthorized use of a money manager when a commodity is purchased using common funds, when a meeting attendance rate of meeting members for commodity purchase is equal to or higher than a reference attendance rate A method of providing a group account service for preventing embezzlement to approve a settlement request when the settlement is approved, and the range of the payment approval is satisfied in order to confirm whether the requested commodity satisfies the meeting purpose and purpose .

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

2. Description of the Related Art [0002] With the rapid development of information communication technologies, various types of terminals such as mobile communication terminals, personal computers, and the like have been implemented to perform various functions.

For example, the mobile communication terminal may be provided with various functions such as data communication, photographing or movie shooting using a camera, music or moving picture file playback, game, and broadcasting viewing. .

Technological developments for increasing the functions that can be performed on such terminals have been continuously carried out, and they have been continuously carried out mainly in hardware improvement technology and software improvement technology.

In recent years, various services are provided through applications that can be executed in the terminal. For example, various types of applications are provided, such as a communication application including a messenger application capable of conducting a conversation by transmitting and receiving a message to and from a plurality of users, and a banking application for performing account transfer. In particular, banking applications are a typical example of financial transaction services, and they are also available through ATMs (Automated Teller Machines), phone banking, Internet banking, and the like.

On the other hand, in the case of financial transactions, there are cases where an account is opened for the management of individual funds, but there are many cases in which an account is opened for managing the common funds as in a group meeting such as an alumni association or social gathering.

In such cases, there is a case where a bankbook is opened and funds are operated. However, since the enrollment procedure is complicated and inconvenient, an individual account is often opened and operated. In addition, when using a group account, there is a problem that it is impossible for the members of the group to block it in advance even if the fund manager uses funds or embezzles it for negative purpose because the account manager such as the representative of the fund manager or the secretary is appointed.

Korean Registered Patent No. 0864995, October 16, 2008 Registered (Name: Financial service system and its method which can withdraw money only with consent of member)

The present invention has been proposed in order to prevent a fund manager from using funds or embezzling money for a negative purpose in managing joint funds in a group meeting in advance. In a group meeting, when the attendance rate of the meeting members is higher than the standard And to provide a group account providing service method and apparatus for preventing grave embarrassment in which payment is approved only when the item to be charged meets the purpose and purpose of the meeting.

According to an aspect of the present invention, there is provided a service apparatus including: a plurality of group accounts; information of members of a group corresponding to each group account; terminal information of each member; A meeting category set based on one of the group memberships, and a reference attendance rate for payment approval; A payment approval module for comparing a meeting attendance rate calculated based on the group account information with the reference attendance rate upon receiving a payment request for a specific group account and determining whether the payment is approved according to the comparison result; And a meeting management module for calculating the meeting attendance rate of the members based on the location information of the terminal devices of the meeting members corresponding to the group accounts; . ≪ / RTI >

In order to achieve the above object, the meeting management module in the service apparatus according to the embodiment of the present invention confirms the meeting place, compares the confirmed meeting place with the position information of the terminal devices of the meeting members If the position of the terminal device is within a predetermined distance in the meeting place, the member corresponding to the terminal device is determined as the attendance state.

In order to achieve the above object, the meeting management module in the service apparatus according to the embodiment of the present invention compares location information of terminal devices of meeting members, .

In order to achieve the above-mentioned object, the meeting management module in the service apparatus according to the embodiment of the present invention further confirms the meeting time and collects the location information of the terminal device on the basis of the confirmed meeting time .

In order to achieve the above-mentioned object, the meeting management module in the service apparatus according to the embodiment of the present invention transmits a participation confirmation message inquiring whether or not to attend the meeting to the terminal device, .

In order to achieve the above object, the storage module in the service apparatus according to the embodiment of the present invention further stores a settlement approval range set on the basis of the meeting category, It is further determined whether or not the payment approval range is satisfied, and when the payment approval range is satisfied, the payment is approved.

In order to achieve the above object, the settlement approval range in the service apparatus according to the embodiment of the present invention is set based on at least one of merchant store identification information, merchant store name, merchant store address, representative sales product, In order to accomplish the above object, a service method for group account settlement according to an embodiment of the present invention includes group information of a group corresponding to each group account, terminal information of each member A meeting category set based on one of the meeting purpose, the interest field, and the activity details, and a criterion participation rate for approval of payment; Receiving a payment request for a particular group account; Comparing the meeting attendance rate calculated based on the group account information with the reference attendance rate; Determining whether the payment is approved according to the comparison result; And calculating the meeting attendance rate of the members based on the location information of the terminal device of the meeting member corresponding to the group account.

According to another aspect of the present invention, there is provided a service method for group account settlement, comprising: determining a meeting place; Comparing the confirmed meeting place with location information of a terminal device of each meeting member; And determining that the member corresponding to the terminal device is in the attendance state when the position of the terminal device is within a predetermined distance at the meeting place.

According to another aspect of the present invention, there is provided a service method for group account settlement, the method comprising: comparing location information of a terminal of the meeting member; And judging members present within the mutually predetermined distance range as the attendance state.

According to another aspect of the present invention, there is provided a service method for group account settlement, comprising the steps of: determining a meeting time; And collecting location information of the terminal based on the determined meeting time.

According to the present invention, it is possible to prevent the fund manager from using or withdrawing money for a negative purpose in managing a common fund in a group gathering, and it is determined whether or not the payment is approved according to the meeting attendance rate of the meeting members. This can enhance the trust of the members of the meeting, and can manage the common funds transparently.

In addition, since payment is approved only when the goods for which payment is requested meet the purpose and intent of the meeting, unnecessary expenditure can be prevented, and common funds can be managed transparently.

In addition, since the merchant of the present invention performs settlement of a group account and receives the settlement contents, the store will be easier to manage the customer, and it will be an easy means to secure a regular customer.

In addition, since the present invention can grasp a meeting attendee by grasping the position of a terminal device, the meeting can be managed effectively such as management of a participant and management of a meeting member who is perceived.

1 is a diagram illustrating a configuration of a group account settlement system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a service apparatus for group account settlement according to an embodiment of the present invention.
3 is a diagram illustrating a group account initial registration service procedure according to an embodiment of the present invention.
4 is a diagram illustrating a group account settlement service procedure according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a method for approving settlement according to an embodiment of the present invention.
6 is a flowchart illustrating a method of calculating a meeting attendance rate according to an embodiment of the present invention.
7 is a diagram illustrating group account information managed in a service apparatus according to an embodiment of the present invention.
8 is a diagram illustrating an example of a payment approval screen according to an embodiment of the present invention.
9 is a diagram illustrating an operating environment of an apparatus for group account settlement according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS For a more complete understanding of the nature and advantages of the present invention, reference should be made to the following detailed description taken in conjunction with the accompanying drawings, in which:

In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings.

The terms and words used in the present specification and claims should not be construed to be limited to ordinary or dictionary meanings and the inventor is not limited to the concept of terminology for describing his or her invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention, and not all of the technical ideas of the present invention are described. Therefore, It is to be understood that equivalents and modifications are possible.

Also, terms including ordinal numbers such as first, second, etc. are used to describe various elements, and are used only for the purpose of distinguishing one element from another, Not used. For example, without departing from the scope of the present invention, the second component may be referred to as a first component, and similarly, the first component may also be referred to as a second component.

In addition, when referring to an element as being "connected" or "connected" to another element, it means that it can be connected or connected logically or physically. In other words, it is to be understood that although an element may be directly connected or connected to another element, there may be other elements in between, or indirectly connected or connected.

Also, the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. It is also to be understood that the terms such as " comprising "or" having ", as used herein, are intended to specify the presence of stated features, integers, It should be understood that the foregoing does not preclude the presence or addition of other features, numbers, steps, operations, elements, parts, or combinations thereof.

In addition, embodiments within the scope of the present invention include computer-readable media having computer-executable instructions or data structures stored on computer-readable media. Such computer-readable media can be any available media that is accessible by a general purpose or special purpose computer system. By way of example, and not limitation, such computer-readable media can comprise RAM, ROM, EPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or in the form of computer- But is not limited to, a physical storage medium such as any other medium that can be used to store or communicate certain program code means of the general purpose or special purpose computer system, .

In the following description and claims, the term "network" is defined as one or more data links that enable electronic data to be transmitted between computer systems and / or modules. When the information is transmitted or provided to a computer system via a network or other (wired, wireless, or a combination of wired or wireless) communication connection, the connection may be understood as a computer-readable medium. Computer readable instructions include, for example, instructions and data that cause a general purpose computer system or special purpose computer system to perform a particular function or group of functions. The computer executable instructions may be binary, intermediate format instructions, such as, for example, assembly language, or even source code.

In addition, the invention may be practiced with other computer systems, including personal computers, laptop computers, handheld devices, multiprocessor systems, microprocessor-based or programmable consumer electronics, network PCs, minicomputers, mainframe computers, a pager, and the like. < RTI ID = 0.0 > [0040] < / RTI > The invention may also be practiced in distributed systems environments where both local and remote computer systems linked by a combination of wired data links, wireless data links, or wired and wireless data links over a network perform tasks. In a distributed system environment, program modules may be located in local and remote memory storage devices.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A group account providing service method for preventing embezzlement and an apparatus therefor according to an embodiment of the present invention will now be described in detail with reference to the drawings.

First, with reference to FIG. 1, a main configuration of a group account settlement system according to an embodiment of the present invention will be described.

FIG. 1 is a view schematically showing a configuration of a group account settlement system 10 according to an embodiment of the present invention.

Referring to FIG. 1, the group account settlement system may include one or more terminal devices 100, an affiliate shop terminal 200, and a service device 300 connected through a network.

First, the terminal device 100 of the present invention refers to a user device capable of transmitting and receiving various data via a network according to a user's operation. Here, the user refers to a service user who establishes a group account as a member of a predetermined meeting.

The terminal device 100 according to the present invention can be applied to a portable terminal such as a tablet PC, a laptop, a personal computer (PC), a smart phone, a personal digital assistant (PDA) , A smart TV, a mobile communication terminal, and the like.

The terminal device 100 is an electronic device that performs voice or data communication using a network and includes a browser for communicating with the service device 300 via a network, a memory for storing programs and protocols, And a microprocessor for computing and controlling the microcomputer.

That is, the terminal device 100 can be any electronic device capable of performing server-client communication with the service device 300 and capable of executing a customized service, and can be used in a communication computing device such as a notebook computer, a mobile communication terminal, . Meanwhile, the terminal device 100 is preferably manufactured with a touch screen, but is not limited thereto.

The terminal device 100 can communicate with the service device 300 linked through the network and transmit / receive data according to the group account settlement service.

For example, the terminal device 100 can transmit the member information for using the group account settlement to the service device 300.

In addition, the terminal device 100 can transmit the terminal information of the member for using the group account settlement to the service device 300. [

In order to use the group account settlement, the terminal device 100 may transmit to the service device 300 the meeting category information set based on one of the purpose, interest, and activity of the meeting.

In order to use the group account settlement, the terminal device 100 transmits settlement approval range information for setting the settlement approval range based on the meeting category information set based on one of the meeting purpose, the interest field, (300).

In addition, the terminal device 100 may transmit the reference attendance rate information, which is information necessary for the group settlement approval of the meeting member, to the service device 300 in order to use the group account settlement.

Also, the terminal device 100 may transmit the location information of the user terminal to the service device 300 in order to calculate the distance value from the meeting place where the group account settlement is to be used.

In addition, the terminal device 100 can receive the merchant information registered by the merchant terminal 200 from the service device 300 to use the group account settlement.

The merchant terminal 200 according to the embodiment of the present invention is a device used by the user of the merchant providing the goods or service to the user and communicates with the service device 300 via the network to transmit data on the use of the group account settlement service It is an electronic device that can transmit and receive.

For example, the merchant terminal 200 is a terminal that combines the functions of a cash register and a computer terminal, and is a POS (Point of Sales) terminal for collecting and processing various information and data necessary for retail management, . In addition, the merchant terminal 200 may be a terminal for storing data such as a merchandise name and a price at a point of sale by attaching a card settlement device to a personal computer (PC), or a terminal for performing payment such as a CAT (Credit Authorization Terminal).

The franchisee terminal 200 according to the present invention can transmit the location information of the franchisee terminal 200 to the service device 300 through the network in order to calculate the distance value to the terminal device 100.

In addition, the merchant terminal 200 may receive a settlement result when it transmits a settlement request to the service device 300 through the network and determines whether the settlement condition is satisfied in the service device 300 and approves the settlement.

In addition, the merchant terminal 200 can output the payment result as a receipt and display it on the merchant terminal 200.

The service apparatus 300 according to the embodiment of the present invention is configured to perform a group account settlement service in cooperation with one or more terminal apparatuses 100 and an affiliate terminal 200 via a network, It is possible to check whether a payment request satisfies a payment condition based on the group account information previously stored by the terminal device 100. [ At this time, the settlement condition may be a settlement approval range for setting a meeting category set based on one of the meeting purpose, interest field, and activity details of the meeting member designated by the terminal device 100.

When receiving the payment request from the merchant terminal 200, the service device 300 receives the location information of each terminal from the terminal device 100, compares the location information of the stored merchant terminal 200, And determines whether or not to attend. If the meeting attendance rate calculated based on the attendance is compared with the previously stored reference attendance rate, if the rate is equal to or higher than the reference attendance rate, the payment is approved and the payment request can be transmitted to the merchant terminal 200 have.

That is, when receiving the payment request from the merchant terminal 200, the service device 300 according to the present invention determines whether the payment request satisfies the payment condition according to the group account information stored and received from the terminal device 100 And if the payment conditions are satisfied, the location information of each terminal device 100 is provided to the service device, and compared with the location information of the affiliate shop terminal 200, the distance value to each terminal device 100 and the meeting place And determine that the terminal device 100 located within a certain distance is present at the meeting.

That is, the service apparatus 300 according to another embodiment of the present invention confirms the location information of each of the plurality of terminal devices 100 of each of the meeting members, and when the mutual distance between the terminal devices 100 is within a predetermined distance range Of the members who are in the present state.

On the other hand, the service device 300 transmits an attendance confirmation message to the terminal device 100 in the attended state in order to confirm once again whether or not the attendance of the attendant of the terminal device 100 determined to be present is confirmed, Can be queried. At this time, the attendance confirmation message may be provided through a message service such as an SMS, an MMS, or an instant message (IM). Upon receipt of the response confirmation message from the terminal device 100 receiving the attendance confirmation message, the terminal device 100 can determine the attendance state. In addition, a meeting attendance rate is calculated on the basis of the terminal device determined to be in the attendance state, and compared with the pre-stored reference attendance rate, the settlement is approved in response to the settlement request for the terminal device 100, Message to the terminal device 100 and transmit the payment result to the merchant terminal 200. [

The detailed configuration of the service apparatus according to the embodiment of the present invention in the group account settlement system configured as described above will be described in detail with reference to the accompanying drawings.

2 is a diagram illustrating a detailed configuration of a service apparatus 300 in a group account settlement system according to an embodiment of the present invention.

Referring to FIG. 2, the service apparatus 300 according to the embodiment of the present invention may include a meeting management module 310, a payment approval module 320, and a storage module 330. Here, 'module' is a component that performs a predetermined function, and may be implemented by hardware, software, or a combination of hardware and software. For example, the 'module' may refer to a program module, which is executed by a processor to perform a predetermined function.

The meeting management module 310 according to the embodiment of the present invention calculates the distance value to the franchise terminal 200 of the meeting place based on the location information received from the terminal device of the member attending the meeting, It is determined that the device is a member of the state of attendance so that the member attending the meeting can be determined and the attendance rate of the meeting can be calculated by calculating the proportion of the members attending the meeting compared to the entire meeting members.

The meeting management module 310 receives and compares the location information of each of the terminal devices of the meeting members and determines that the mutual distance of each of the terminal devices 100 is within the preset distance range, The attendance rate can be calculated.

In addition, the meeting management module 310 collects the position information of the terminal device 100 of each member based on the confirmed meeting time, that is, the meeting time of the meeting member, and confirms the meeting time near the meeting time You can check whether or not the members join the meeting.

The meeting management module 310 transmits a participation confirmation message to the terminal device 100 in the attendance state to inquire whether the member of the attendance state is in the attendance state, And determine the attendance state of the terminal device.

The payment approval module 320 according to the embodiment of the present invention can determine whether the payment request from the merchant terminal 200 is satisfied with the payment approval range of the group account information and determine whether the payment condition is satisfied. In addition, if the payment conditions are satisfied and the meeting attendance rate calculated by the meeting management module 310 is equal to or greater than the reference attendance rate, the payment approval module 320 can approve the payment.

As described above, the payment approval module 320 calculates a meeting attendance rate as an apparatus for obtaining a purchase agreement of members in an off-line meeting to attend a meeting directly. In the case of the online purchase, 100), the settlement can be proceeded by receiving the consent response of the ratio of the pre-stored threshold value from the members. At this time, the threshold value may be the same value as the previously stored reference attendance rate.

That is, when the payment approval module 320 receives the payment request from the merchant terminal 200, the payment approval module 320 can determine whether it meets the conditions of the payment approval range. As a result of the determination, in the case of a payment request conforming to the conditions of the payment approval range DB 334, the attendance rate of the meeting member is calculated to confirm whether or not the meeting member agrees with the payment request, If it is more than the attendance rate, the payment approval is performed.

On the other hand, when the payment request is received through the online merchant, the terminal device 100 confirms the merchant's online address registered in the payment approval range DB, and if the online site where the purchase is made corresponds to the merchant, have.

In addition, when the user makes an online payment, the user can obtain the agreement of the members of the payment request through a message. At this time, the message for obtaining the consent of the members may be provided through a message service such as SMS, MMS, and IM.

That is, when the site where the purchase is made is the affiliate shop, the payment approval module 320 transmits a message to the terminal devices of the respective members in order to obtain agreement on the payment request, If you agree with the value above, approve the payment.

In the above, the payment approval range DB is set based on at least one of the merchant identification information, the merchant's business name, the merchant's address (site address in the case of online), and the limit value of the representative sales merchandise payment and is received from the merchant terminal 200 .

The storage module 330 according to the embodiment of the present invention manages related information in order to receive a group account settlement request from the merchant terminal 200 and provide a group account settlement service. The storage module 330 may be a hardware storage medium or a hardware storage medium (A file system or a database system) for storing the information.

The storage module 330 may include at least one of a member information DB, a terminal information DB, a meeting category DB, a payment approval range DB, a reference attendance rate DB, and an affiliate shop information DB.

For example, the storage module 330 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a compact disk read only memory (CD-ROM), a digital video disk (ROM), a random access memory (RAM), a flash memory, and the like, such as a magneto-optical medium and a floppy disk.

The member information DB 331 according to the present invention stores information on member members among the members who have subscribed to the group account settlement service, wherein the member information can be registered through the merchant terminal 200, 100 and the service apparatus 300 through the linkage of the service apparatus 300. [ In addition, the member information may include member name, sex, date of birth, number of cumulative attendance, position in a meeting (representative, general secretary, general member, etc.).

At this time, in the case of a meeting member who is a representative of the position in the meeting, it may be a member who transmits a payment request to the merchant terminal 200 in the meeting.

The terminal information DB 332 according to the present invention may include a terminal identification number, a terminal identification ID, representative terminal information, and the like of a terminal device of a member in the member information DB 331. [ The terminal information DB 332 may be mapped to the member information DB 331 and stored. The meeting category DB 333 according to the present invention can be set based on one of the goals, interests, and activity details of the meeting. For example, in the case of sports bicycling, if the main meeting activity is on the road on a bicycle, you could set the meeting category as a bike club. This can be a social gathering as an activity for socializing and fitness.

Therefore, the setting of the meeting category DB 333 of the meeting activity can further set the friendship, the sport, the outdoor sports, the outdoor activity, the exercise, the bicycle, the cycle and the like.

The settlement approval range DB 334 according to the present invention is selected and set by the terminal device 100 from the merchant information, and stores the merchant identification information, merchant store name, merchant store address (site address in the case of online) A merchandise representative sales item, and a payment ceiling. The settlement approval range DB 334 may further include at least one of a settlement area, a business object to be settled, and an item to be settled.

In addition, the settlement approval range DB 334 can set a settlement approval range on the basis of the meeting category DB 333 set based on one of the purpose, interest, and activity details of the meeting.

The payment approval range DB 334 refers to the merchant store information DB stored in the storage module 330 of the service device 300 by the merchant terminal 200 transmitted to the service device 300, , The terminal device 100 can select it and store it in the payment approval range DB.

At this time, the merchant information DB may be information including merchant store identification information, merchant business name, merchant store address (site address in the case of online), and merchant representative sales product.

The franchisee identification information may be a unique number of each franchisee. For example, it may be any one of a telephone number of a merchant, a business registration number, a merchant number, and a code number for managing a merchant.

The merchant payment limit of the payment approval information DB may be directly set by the user at the terminal device 100. [

The payment approval range DB 334 can be classified into an offline category and an online category and managed.

Also, the settlement approval range DB can register for an affiliate shop and an online site meeting the purpose of the meeting in consideration of the meeting category set based on one of the meeting purpose, interest field, and activity details of the meeting members.

For example, in relation to a meeting where you can discuss a book you read after reading it, the purpose, interests, and activities of the meeting are related to reading, books, etc., Or 'reading discussion'. At this time, the meeting category may be one or more than two. Now, the members of the meeting can specify a payment approval range based on the meeting category, such as "reading a book" or "reading discussion".

At this time, the settlement approval range DB 334 can be classified into an offline category and an online category and managed. For example, the offline category can be set by the terminal device 100, and can be selectively set through the merchant information registered by the merchant terminal 200 in the service device 300. That is, the settlement approval range DB 334 can set the merchant's business name as "○○ 文庫, △△ Bookstore, □□□ study room" by the terminal device 100, and in the off- When the service device 300 confirms the attendance rate of the meeting members and refers to the payment approval range DB, the service device 300 determines whether the membership information of the member of the payment approval range is mapped Thereby confirming whether or not the payment condition is met. Similarly, in the case of the online category, the affiliate online address for the merchant address can be set as the payment approval range. For example, online bookstore addresses www.BOOK ○○ ○○ .com and www.aladi ○○○ .com can be set.

Thereafter, the members of the group of the meeting category 'read a book' or 'a discussion for reading' perform an input for requesting a payment to purchase a book through a group account online, The service device 300 can refer to the payment approval range DB and map the merchant information such as the online address for which the payment was made to the payment approval range DB to confirm whether or not the payment condition is satisfied.

The reference attendance rate DB 335 in the service apparatus 300 according to an embodiment of the present invention may be input from the terminal apparatus 100 and stored in the storage module 330 of the service apparatus 300. [

The reference attendance rate DB 335 is set so that a representative member who manages a group account is prevented from cheating such as misappropriating a joint fund of a group account. In case of an offline meeting, comparison with the attendance rate of the members attending the meeting Lt; / RTI > On the other hand, the reference attendance rate DB 335 can be used even in the case of online purchase. In the case of using group account settlement online, it is necessary to perform a function related to purchase consent of a member, unlike an offline meeting in which a distance value to a meeting place with a terminal device of each group member is determined and it is determined whether or not to attend. That is, at the time of online purchase, when the representative member or all the general members perform a payment request for the participating online site registered in the payment approval DB 334, the terminal device 100 of the member transmits the settlement request to the service device 300 And the service device 300 can transmit a message regarding the purchase agreement to the terminal devices 100 of the members in order to secure the agreement of the members of the settlement request. The ratio of the members responding to the message is calculated and compared with the stored reference attendance rate DB 335. If the ratio of the response members is equal to or greater than the reference attendance rate DB 335,

The reference attendance rate DB 335 according to the present invention may be set to one so that the reference attendance rate can be applied to all the merchants, and more than two may be set so that different reference attendance rates may be applied to each merchant.

For example, if the terminal device of the representative member, which is an administrator terminal, sets the reference attendance rate at 80%, it receives 80% or more attendance rate or consent message for at least one merchant that corresponds to the payment approval range registered in the offline category and online category The payment can be approved. When the terminal device of the representative member as the manager terminal sets the reference attendance rate differently for the at least one affiliated store corresponding to the offline approval category and the online approval category, The user can approve the settlement by receiving the attendance rate or agreement message at the reference attendance rate or higher corresponding to the user.

The merchant information DB 336 according to the present invention stores and manages information related to the merchant providing the group account settlement service. The merchant information DB 336 stores merchant information such as merchant identification information, merchant store name, merchant store address (site address, Merchant store representative sales items, and can directly register with the service device 300 in the merchant terminal 200. [ Then, when it is desired to set and use the merchant in a specific meeting as the settlement approval range DB 334 of the specific meeting, the merchant terminal 100 selects the merchant for the meeting category from the merchant information DB 336, Can be registered in the range DB 334. If the merchant wants to delete the merchant from the payment approval range of the meeting member in the future, the payment approval range DB 334 can be managed by deleting the merchant shop or the like.

Now, a procedure for providing a service in a group account settlement system according to an embodiment of the present invention will be described.

3 is a diagram illustrating a group account initial registration service procedure according to an embodiment of the present invention.

Referring to FIG. 3, in steps S101 and S103, the terminal device 100 and the merchant terminal 200 perform membership registration in order to use the group account settlement service in the service device 300. FIG.

At this time, the merchant terminal 200 transmits the merchant information to the service device 300, and stores the merchant information in the service device 300. The service device 300 stores and manages member-registered member information and merchant information (S105). At this time, the member information is information including the identification number of the terminal device, the member ID, the password, the member name, the sex, the date of birth, , Merchant store representative sale items, and merchant store location information.

In addition, the merchant information can be stored and managed in the merchant information DB 336 in the storage module 330 of the service device 300. [

Then, the terminal device 100 performs a meeting registration procedure in the service device 300 to create a new meeting (S107), and the meeting device is stored in the service device 300 (S109). Then, the service device 300 transmits the merchant information registered from the merchant terminal 200 to the terminal device 100 (S111). Then, the terminal device 100 receives the merchant information, selects an appropriate merchant for the characteristic of the meeting as a merchant to be used later, extracts the merchant information, designates the settlement limit, and stores it in the settlement approval range DB.

In addition, the terminal device 100 sets group account information for using the group account settlement service together with the settlement approval range DB, and transmits the group account information to the service device 300 (S115). At this time, A member information DB registered in the meeting, a terminal information DB corresponding to the member information, a meeting category DB in which a purpose and an activity can be confirmed in a specific meeting, and a settlement can be made only in an affiliated shop related to a purpose and an activity in a specific meeting And may include at least one of a payment approval range DB and a reference participation rate DB including merchant information that has been set in advance. When the group account information in the terminal device 100 is transmitted to the service device 300 (S115), the initial setting for the service provision of the specific meeting is completed. Then, the service device 300 can register the group account information in the storage module 330 and store the group account information (S117). Then, the service device 300 can provide meeting information, in which the terminal device 100 registers the affiliation matching the meeting purpose, to the affiliate shop terminal 200 (S119).

Through the step S119, the franchisee can refer to the registered meeting information to perform member management.

Now, the service procedure related to payment approval according to the settlement request in the specific meeting will be described.

4 is a diagram illustrating a group account settlement service procedure according to an embodiment of the present invention.

Referring to FIG. 4, in step S201, the merchant terminal 200 requests settlement to the service device 300, and the service device 300 receives a settlement request. At this time, the merchant terminal 200 that transmitted the payment request receives the payment request input signal by the terminal device 100 and requests payment to the service device 300 (S201).

The payment request transmits together merchandise information. The merchandise information includes at least one of a merchandise name, a merchandise code, a merchandise price, a merchandise merchandise identification information, a merchant merchant name, and a merchant address (site address in the case of online) .

Thereafter, the service device 300 receives the payment request and can check whether the payment condition is satisfied or not based on the group account information stored in the storage module 330 (S203). At this time, in the step of confirming whether or not the payment condition is satisfied, the step of checking the goods information received together with the payment request is registered in the payment approval range DB 334 stored in the storage module 330 of the service device 300 Can be determined by referring to the merchant information on the basis of whether or not there is matching information.

In step S201 and step S203, a payment request from the merchant terminal 200 is received and it is checked whether or not the payment condition is satisfied. If the payment request satisfies the payment condition, it is determined that the payment condition is satisfied, It may proceed to the next step.

The service device for group account settlement according to the embodiment of the present invention transmits the location information of the terminal device 100 from each terminal device 100 to the service device 300 in step S205 (S205) In step S205, the distance between the terminal device 100 and the meeting place is calculated by comparing the franchise location information stored in the service device 300 with the location information of each terminal device 100 in step S105.

 Then, it is possible to determine that the terminal device 100 within a certain distance from the franchisee is present (S209). In order to accurately determine whether the terminal device 100 judged to be in the state of attendance has attended the meeting place, the service device 300 transmits an attendance confirmation message for confirming whether or not the attendance is confirmed to the terminal device 100 judged as the attendance state (S211). At this time, the attendance confirmation message may be provided through a message service such as an SMS, an MMS, or an instant message (IM). If the user of the terminal device 100 receives the attendance confirmation message, the attendance confirmation response message can be transmitted (S213). If the attendance confirmation message is not received, the user of the terminal device 100 100), the non-attendance confirmation message can be transmitted.

Upon receiving the response message, the service device 300 can determine the attendance status of the corresponding terminal device 100 and calculate the meeting attendance rate based on the attendance rate (S215). If it is determined that the calculated attendance rate is equal to or higher than the reference attendance rate, it is determined that the consent of the members has been obtained in the purchase of the product, and the payment is approved (S217).

The service device 300 that has approved the settlement transmits a settlement confirmation message to the terminal device 100 to notify that the settlement request has been performed (S219).

In addition, the service device 300 transmits the settlement result for the settlement request to the merchant terminal 200 (S221). At this time, the merchant terminal 200 can display the payment result through the display unit, and can output the payment receipt.

On the other hand, in step S205, the service device 300 further confirms the information on the meeting time of the meeting members, receives the location information of the terminal device 100 of the members of the time zone adjacent to the meeting time on the basis of the meeting time , The distance to the meeting place can be obtained, and the meeting attendance rate can be calculated.

The service apparatus for group account settlement according to another embodiment of the present invention receives the location information of each of the plurality of terminal apparatuses of the meeting member in step S207 and confirms the distance between the terminal apparatuses of the mutual member, Is determined to be in the attendance state for the members existing within the predetermined distance range.

Hereinafter, the flowchart of the method for approving payment in the service apparatus in providing the group account settlement service of the present invention will be described.

FIG. 5 is a flowchart illustrating a method for approving settlement according to an embodiment of the present invention.

5, the service device 300 receives the group account information of a specific meeting from the terminal device 100 and registers it in the storage module 330 of the service device 300 (S301). Thereafter, the service apparatus receives a payment request for requesting purchase of a specific commodity from the merchant terminal 200 (S303), confirms the information on the commodity requesting the purchase included in the payment request, And determines whether the payment request satisfies the payment condition by checking whether the merchant is included in the payment approval range DB stored in the storage module 330 of the service device (S305).

Here, if the payment request satisfies the payment condition, the service device may perform the step of calculating the meeting attendance rate specifically shown in steps S205-S215 of FIG. 4 (S307).

On the other hand, if it is determined in step S305 that the payment condition is satisfied, if the payment condition is not satisfied, the payment request is processed for unauthorized payment (S313), and the service is terminated.

After calculating the meeting attendance rate, in step S301, the terminal 100 compares the reference attendance rate registered in the service apparatus 300 with the meeting attendance rate (S309). If the meeting attendance rate is equal to or higher than the reference attendance rate as a result of the comparison, the payment request satisfies the payment condition and the payment is approved (S311). On the other hand, if it is determined in step S309 that the attendance rate of the meeting is less than the reference attendance rate, the payment request is processed for unauthorized payment (S313), and the service is terminated.

Now, a method of calculating a meeting attendance rate of meeting members according to an embodiment of the present invention will be described.

6 is a flowchart illustrating a method of calculating a meeting attendance rate by a meeting management module of a service apparatus according to an embodiment of the present invention.

Here, each step shown in FIG. 6 specifically describes the step S307 of FIG. Referring to FIG. 6, in step S401, the service device 300 can receive and store meeting appointment information through the terminal device 100 of the member. The meeting appointment information may be information included in the merchant information DB, and includes a meeting place and a meeting time. Then, the service device 300 can receive and store the location information value from each terminal device 100 of the meeting members (S403). At this time, the service device 300 may further receive the location information value of the terminal device 100 of each member only in a time zone adjacent to the meeting time, considering the meeting time of the meeting appointment information, and store the location information value.

The service device 300 can also receive and store location information of the merchant terminal 200 through the merchant information registered in the merchant store information database in the storage module 330 of the service device 300. As described above, the location information of the appointment place of the meeting members can be confirmed through the location information of the franchisee terminal 200.

The location information of each member can be obtained through the terminal device 100 of each member and the distance value to the meeting place through the member terminal 200 can be calculated for each terminal device 100 of each member (S405). The calculated distance value is compared with a predetermined threshold value (S407). If the calculated distance value is smaller than the threshold value, the terminal device can be judged to be in the attended state (S409). On the other hand, if the distance value is equal to or greater than the threshold value, the service device can determine that the corresponding member of the terminal device 100 is unattended (S419).

The service device 300 according to the present invention may transmit the attendance confirmation message to the terminal device 100 in the attendance state via the network in order to confirm once again whether the determined attendance state is correct at step S411. Each of the terminal devices 100 receiving the attendance confirmation message can transmit the fact of the attendance confirmation to the service device via the network.

The service apparatus 300 according to the present invention confirms whether the attendance acknowledgment message is received from the terminal device 100 (S413). When the attendance response message is received from the terminal device 100, the corresponding member of the terminal device 100 is determined to be in the attendance state (S415).

However, if a response message is not received from the terminal device 100 or a non-attendance response message is received, the corresponding terminal device 100 can be judged as not attending (S419).

If it is determined in step S415 that the state of the terminal device 100 is the attendance state, the terminal device 100 determined as the attendance state is checked, and the attendance rate of the meeting is calculated by calculating the proportion of the attendance members (S417).

In addition, the attendance rate of meetings as described above can be calculated, and the cumulative average attendance rate of each member can be calculated based on the meeting attendance rate.

Group account information will now be described by way of an example of the group account information stored in the storage module 330 of the service device 300. [

7 is a diagram illustrating an example of group account information managed in a service apparatus according to an embodiment of the present invention.

7, the group account information managed by the service apparatus 300 includes a member 410, terminal information 420, a meeting category 430, a payment approval range 440, and a reference attendance rate 450 .

The member 410 stores the name of the member registered in the meeting, and may describe the name of the total member of the meeting. The terminal information 420 stores the terminal identification information of the terminal device 100 corresponding to the member and stores the unique number of the terminal device 100. For example, the terminal identification information may be a telephone number of the terminal.

The meeting category 430 may be set based on one of the purpose, interest, and activity of the meeting. That is, according to the nature of the meeting, a meeting category can be designated, and one or more meeting categories can be set.

7, it is assumed that there is a meeting for riding a bicycle in the outdoors. In the meeting category 430 for the bicycle meeting, there are 'socializing, # sports, # outdoor sports, , # Bicycle, # cycle 'can be set. In addition, the terminal device 100 can additionally set a meeting category, and can delete or modify the previously set meeting category. In addition, this setting can also set the meeting category in the terminal device of the representative member as the manager terminal or each terminal device 100 of the general members. An example of the payment approval range 440 of FIG. 7 will be described below. The payment approval range 440 indicates whether or not the payment request received from the terminal device 100 is expenditure inconsistent with the purpose of the meeting, Can be set to verify whether or not the funds are used. To this end, the settlement approval range 440 is set in the terminal 100 of the representative member or the general member on the basis of the meeting category set based on one of the purpose, interest, and activity of the meeting.

The setting of the settlement approval range 440 as described above provides the merchant information registered in the service device 300 to the terminal device 100 when the merchant terminal 200 joins the merchant shop 300 to the service device 300, The terminal device 100 inquires of a franchisee to make settlement according to the nature of the meeting and sets the settlement approval range 440. The payment authorization scope (440) may include online and offline categories, and may specify which merchants to use offline and sites to use online.

In order to prevent unauthorized use, the setting of the payment approval range 440 is based on the initial setting in the terminal device 100 at the time of meeting registration. In order to change the addition and deletion of a merchant shop at a later time, .

The initial setting of the payment approval range 440 can be performed by each terminal device 100 of the members. Also, the payment approval range 440 can be inquired by each terminal device 100 of the members. If it is desired to change the payment approval scope 440, then an agreement message may be sent to obtain agreement of the members of the change in the payment approval scope 440. If the change is made after the initial setting, a change notification message may be sent to the members. Through the change notification message, it is possible to prevent a group account from being used for an unauthorized purpose by changing the settlement approval range by a specific member.

The settlement approval range 440 according to the present invention can provide the merchant recommendation list to the terminal device 100 based on the merchant information DB by referring to the predetermined meeting category 430. [ The merchant recommendation list is created by setting the meeting category 430 in the terminal device 100 of the member of the specific meeting and referring to the content of the payment approval range in another meeting in which a meeting category similar to the meeting category is set The terminal device 100 can provide a recommendation list. Then, the terminal device 100 can set the settlement approval range 440 of the meeting from the provided recommendation list.

Referring to the merchant address category in the payment approval scope (440) in FIG. 7, the online address and general address of the merchant's website in www.cyclexxx.com, www.crazycyclexx.com, www.sportsxxx.com, Guro- have. When a member of the meeting registers an online merchant in the membership list of the payment approval DB, the merchant address for the online merchant can be registered at the site address. On the other hand, the offline merchant can register the address of the actual offline merchant.

The group account information of the present invention according to the above may include a reference attendance rate 450. The reference attendance rate 450 can be set to check membership attendance rate of members at the time of making a payment to the group account, and to prevent illegal use and embezzlement of the group account representative or manager. The criterion attendance rate 450 may determine the attendance rate of the attendance member attending the meeting in the off-line meeting, and may approve the settlement only if the attendance rate is equal to or higher than the preset reference attendance rate.

Also, the reference attendance rate may be applied even when a settlement message is transmitted to the members for online settlement, a response message means that the settlement message is agreed to the settlement message, and the settlement is approved according to the ratio of the response message .

The reference attendance rate 450 according to the present invention can be set for each merchant, or one reference attendance rate can be set and applied to all merchants.

9 is a diagram illustrating an operating environment of an apparatus for group account settlement according to an embodiment of the present invention.

Figure 9 and the following discussion are intended to provide a brief, general description of a suitable computing environment in which the invention may be implemented. Although not required, the invention may be described in connection with computer-executable instructions, such as program modules, being executed by a computer system. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The computer executable instructions, associated data structures, and program modules illustrate examples of program code means for carrying out the acts of the invention disclosed herein.

9, an exemplary computing system embodying the present invention includes a processing unit 11, a system memory 12, and various system components including the system memory 12 connected to the processing unit 11 And a system bus 10 for communicating with the system.

The processing unit 11 may execute computer-executable instructions designed to implement the features of the present invention.

The system bus 10 may be any of several types of bus structures including a local bus, a peripheral bus, and a memory bus or memory controller using any of a variety of bus architectures. The system memory 12 includes a ROM (Read Only Memory) 12a and a RAM (Random Access Memory) 12b. A basic input / output system (BIOS) 13a, containing the basic routines that help to transfer information between components within a computing system, such as during start-up, may generally be stored in ROM 12a.

The computing system may include storage means, for example, a hard disk drive 15 that reads information from, or writes information to, the hard disk, reads information from, or writes information to, And an optical disk drive 17 that reads information from, or writes information to, an optical disk such as, for example, a CD-ROM or other optical media . The hard disk drive 15, the magnetic disk drive 16 and the optical disk drive 17 are connected by a hard disk drive interface 18, a magnetic disk drive-interface 19 and an optical drive interface 20, respectively, And is connected to the bus 10.

Further, the computing system may further include an external memory 21 as a storage means. The external memory 21 may be connected to the system bus 10 through an input /

The above-described drives and their associated computer-readable media readable and writable by the drives provide non-volatile storage of computer-executable instructions, data structures, program modules and other data. The exemplary environment described herein illustrates a hard disk 15, magnetic disk 16 and optical disk 17, but may also include magnetic cassettes, flash memory cards, DVDs, Bernoulli cartridges, RAMs Other types of computer readable media for storing data, including ROM, ROM, etc., may be used.

Includes one or more program modules including an operating system 13b, one or more application programs 13c, other program modules 13d, and program data 13c that are loaded and executed by the processing unit 11 The program code means may be stored in the hard disk 15, the magnetic disk 16, the optical disk 17, the ROM 12a or the RAM 12b.

In addition, the computing system may receive commands and information from a user through other input devices 22 such as a keyboard, a pointing device, a microphone, a joystick, a game pad, a scanner, These input devices 22 may be connected to the processing unit 11 via an input / output interface 24 connected to the system bus 10. The input / output interface 24 may be, for example, a serial interface such as a serial port interface, a PS / 2 interface, a parallel port interface, a USB interface, an Institute of Electrical and Electronics Engineers (IEEE) 1394 interface (i.e., FireWire interface) Any of a variety of different interfaces can be represented logically, or even combinations of different interfaces can be represented logically.

In addition, the computing system to which the present invention is applied may further include a display device 26 such as a monitor or LCD or an audio device 27 such as a speaker or microphone, which may be connected via a video / audio interface 25 And is connected to the system bus 10. For example, other peripheral output devices (not shown), such as speakers and printers, may also be connected to the computer system 420. The video / audio interface unit 25 may include a high definition multimedia interface (HDMI), a graphics device interface (GDI), or the like.

Further, the computing system embodying the invention is connectable to a network such as, for example, an office-wide or enterprise-wide computer network, a home network, an intranet, and / or the Internet. The computer system may exchange data with external sources such as, for example, a remote computer system, a remote application, and / or a remote database.

To this end, a computing system to which the present invention is applied includes a network interface 27 for receiving data from an external source and / or for transmitting data to an external source.

In the present invention, such a computing system can transmit and receive information to and from a remote device via the network interface 27. [ For example, when the computing system refers to the terminal 100, it can transmit and receive information to and from the messenger service device 200 via the network interface 27. On the other hand, when the computing system refers to the messenger service apparatus 200, information can be exchanged with the terminal 100 through the network interface 27. The network interface 27 may be represented by a logical combination of one or more software and / or hardware modules, such as, for example, a network interface card and a corresponding Network Driver Interface Specification ("NDIS") stack.

Likewise, the computer system receives data from an external source via the input / output interface 24 or transmits data to an external source. Output interface 24 may be coupled to a modem 23 (e.g., a standard modem, a cable modem, or a digital subscriber line (" DSL ") modem) Lt; / RTI > and / or transmit data to an external source.

Although FIG. 9 shows an operating environment suitable for the present invention, the principles of the present invention may be employed with any system that can implement the principles of the present invention, with appropriate modifications if necessary. The environment shown in Fig. 9 is merely illustrative and does not represent a small portion of a very diverse environment in which the principles of the present invention may be implemented.

In addition, the various types of information generated upon execution of the account settlement program and the account settlement program of the present invention can be stored and accessed on any computer readable medium related to the computing system as shown in FIG. For example, a portion of these program modules and a portion of the associated program data may be stored in the system memory 12, such as in the operating system 13b, the application program 13c, the program module 13d, and / (13e).

Further, when a mass storage device such as a hard disk is connected to the computing system, such program modules and related program data may be stored in the mass storage device. In a networked environment, program modules associated with the present invention, or portions thereof, may be coupled to remote computer systems, such as user terminal 100 and merchant terminal (e. G. Such as a system memory and / or mass storage device associated with the computing system of the computer system 200, The execution of such a module can be performed in a distributed environment as described above.

As described above, the present specification contains details of a number of specific implementations, but they should not be construed as being limitations on the scope of any invention or claimability, but rather on the particular embodiment of a particular invention But should be understood as an explanation of the features. Certain features described herein in the context of separate embodiments may be implemented in combination in a single embodiment.

Conversely, various features described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Further, although the features may operate in a particular combination and may be initially described as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, Or a variant of a subcombination.

Likewise, although the operations are depicted in the drawings in a particular order, it should be understood that such operations must be performed in that particular order or sequential order shown to achieve the desired result, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous. Also, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products It should be understood.

Certain embodiments of the subject matter described herein have been described. Other embodiments are within the scope of the following claims. For example, the operations recited in the claims may be performed in a different order and still achieve desirable results. By way of example, the process illustrated in the accompanying drawings does not necessarily require that particular illustrated or sequential order to obtain the desired results. In certain implementations, multitasking and parallel processing may be advantageous.

The description sets forth the best mode of the invention, and is provided to illustrate the invention and to enable those skilled in the art to make and use the invention. The written description is not intended to limit the invention to the specific terminology presented. Thus, while the present invention has been described in detail with reference to the above examples, those skilled in the art will be able to make adaptations, modifications, and variations on these examples without departing from the scope of the present invention.

Therefore, the scope of the present invention should not be limited by the described embodiments but should be defined by the claims.

It should be noted that the embodiments of the present invention disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

The present invention relates to a group account providing service method for preventing embezzlement and an apparatus therefor, and more particularly, to a group for allowing a payment approval when a meeting attendance rate is equal to or higher than a preset reference attendance rate in managing joint funds of a group such as a club or a social gathering It is possible to provide an account settlement service so that the funds can be withdrawn or prevented from being used in advance for a negative purpose of the fund manager.

In addition, the present invention can determine the nature, purpose and activity details of a group meeting to be registered in an affiliated store by setting a settlement approval range so that payment is approved according to the nature of a group meeting, to be.

This is not only a possibility of commercialization or sales, but also a possibility of being industrially applicable since it is practically possible to carry out clearly.

10: Group Account Payment System 100: Terminal Unit
200: Merchant terminal 300: Service device
310: attendance rate calculating module 320: payment acceptance module
330: storage module 331: member information DB
332: terminal information DB 333: meeting category DB
334: Payment approval range DB 335: Standard participation rate DB
336: Merchant Information DB

Claims (11)

For each group account, you can enter at least one of the following: the member information of each meeting corresponding to each group account, the terminal information of each member, the purpose of the meeting, the meeting category set on one of the activities, A storage module for storing the group account information including the group account information;
A payment approval module for comparing a meeting attendance rate calculated based on the group account information with the reference attendance rate upon receiving a payment request for a specific group account and determining whether the payment is approved according to the comparison result; And
And a meeting management module for calculating the meeting attendance rate of the members based on the location information of the terminal device of the meeting member corresponding to the group account. The method according to claim 1,
The meeting management module confirms the meeting place, compares the confirmed meeting place with the position information of the terminal devices of the meeting members, and if the position of the terminal device is within the predetermined distance at the meeting place, And determines a member corresponding to the apparatus as a state of attendance. The method according to claim 1,
Wherein the meeting management module compares the location information of the terminal devices of the meeting members and determines the members existing within the mutually predetermined distance range as the attendance state. The method according to claim 2 or 3,
Wherein the meeting management module further confirms the meeting time and collects the location information of the terminal device based on the confirmed meeting time. The method according to claim 2 or 3,
Wherein the meeting management module transmits a attendance confirmation message inquiring whether or not to attend a meeting to the terminal device to confirm whether the determined attendance state is correct. The method according to claim 1,
Wherein the storage module further stores a payment approval range established based on the meeting category,
Wherein the payment approval module further determines whether the payment request satisfies the payment approval range, and when the payment approval range is satisfied, the service approval module approves the payment. The method according to claim 6,
Wherein the payment approval range is set based on at least one of merchant identification information, merchant business name, merchant address, representative sales product, and payment limit. For each group account, you can enter at least one of the following: the member information of each meeting corresponding to each group account, the terminal information of each member, the purpose of the meeting, the meeting category set on one of the activities, Storing the group account information including the group account information;
Receiving a payment request for a particular group account;
Comparing the meeting attendance rate calculated based on the group account information with the reference attendance rate;
Determining whether the payment is approved according to the comparison result; And
And calculating the meeting attendance rate of the members based on the location information of the terminal of the meeting member corresponding to the group account. 9. The method of claim 8,
The step of calculating the meeting attendance rate includes:
Confirming the meeting place;
Comparing the confirmed meeting place with location information of a terminal device of each meeting member;
And determining that the member corresponding to the terminal device is in the attendance state when the position of the terminal device is within a preset distance at the meeting place. 9. The method of claim 8,
The step of calculating the meeting attendance rate includes:
Comparing location information of the terminal devices of the meeting members;
And determining that members present within the mutually predetermined distance range are in a state of attendance. 11. The method according to claim 9 or 10,
The step of calculating the meeting attendance rate may further include confirming a meeting time;
And collecting the location information of the terminal device based on the confirmed meeting time.

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