KR20190112517A - System for paying pull and method by using the same - Google Patents

Abstract

The present invention relates to a paying pull system, and to a method thereof. In the paying pull system, users including as workers, employees, and landlords with labor bonds, fixed income, and fixed profits draw necessary money with labor bonds, fixed income, and fixed profits in advance through a paying pull service when the users need money and calculate the amounts the users drew in advance on a payday or repayment date.

Description

PAPERPUL SYSTEM AND METHOD THEREOF {SYSTEM FOR PAYING PULL AND METHOD BY USING THE SAME}

The present invention relates to a pay pull system (pay pull) and a method thereof, and more particularly, when a user including a worker's bonds, fixed income, fixed income, workers, employees, landlords for a certain period of time need money The present invention relates to a paypal system and a method for allowing the labor bond, the fixed income, and the fixed income to be secured through the service, and prepaying the necessary money and settingtle the amount of the money written on a payday or repayment date.

Most employers use mortgage loans or credit loans if they need cash. Loans through these financial institutions vary in fees and interests, depending on the collateral or your credit rating, and are usually carried out through complex procedures set by financial institutions.

In addition, although limited, employees of general companies or institutions may apply the payment system based on the company's situation and cash flow to promote convenience of employees.

However, the company's deferred payment system has been difficult for employees to pay in due time when procedures are very complicated and demanding. Loaning through financial institutions is much more complicated and affected by credit ratings than the company's payable system. Loan use was very limited.

Therefore, when a loan is not available through a loan or a financial institution in a timely manner, the user has no choice but to use the debentures of the ring, which causes a double pain due to excessive repayment of the bonds of the ring.

On the other hand, the fee structure of various financial institutions in Korea is excessively regulated by the government, so it is difficult for financial institutions to earn a profit based on the fee structure, and offers high deposit rates and low loan rates through specialized banks. The situation is peeking.

The PayPal service proposed by the present invention is to pull a certain amount of money in advance by collateral with a bond owned by the user, and this situation is not provided. The PayPal service is a field in which financial institutions are difficult to enter directly until it is stabilized. In recent years, due to the activation of the fintech industry, power is being transferred from institutions or companies to individuals. It is time to introduce and activate. In the event that the creditor, the debtor and the PayPool support server contract with each other to provide PayPal services to the user, the debtor (company, etc.) pays the regular income to the creditor (user). It would be an important means to overcome the vertical and subordinate relations between the debtor and the creditor, without causing them to notify the debtor (company, etc.) each time.

In other words, most users need to obtain a loan through a complicated procedure set by a financial institution even if a small amount of money is required, and the credit rating is affected every time a loan is made. It is very difficult to use the small amount required for a low fee.

In particular, foreign workers or low-income households who are in need of feeding due to family or their medical service are in a more inconvenient situation to use loan services through financial institutions. I need more.

Therefore, in the present invention, when a user with a fixed period of labor bonds, fixed income or fixed income is required to feed, the right to receive wages in exchange for the above-mentioned labor bonds (in the present invention for providing work / labor) is provided through a PayPal support server. ), The fixed income, fixed income, etc. as a collateral to draw in advance, and to propose a way to be settled later on the pay date or repayment date.

In particular, the present invention is not affected by the official credit rating (credit) referred to by various financial institutions, as well as to propose a way to freely and securely use cash without going through separate procedures prepared by financial institutions or companies do.

In the present invention, in the process of the user to draw money in advance in the process of forming a blockchain between the user terminal, pay pool support server, the settlement terminal or the enterprise server, only the user who is authorized by the pay pool support server Provides access to data on books and proof of transaction on the PayPal support server, providing labor bonds, fixed income or income (rentals, fixed consultation fees, consulting fees, etc.) for workers, employees, and landlords Recipients can use the PayPal support service to draw money for their labor or bonds at any time, regardless of the company or the debtor.

In the settlement process, when the predetermined contract time arrives, the contract automatically calculates and pays the pre-drawn amount, bonds and interest according to the contract, and then provides the transaction book to the creditor, debtor and PayPool support server to complete the settlement.

Therefore, if a user wants to draw money in advance using his bonds, he requests the service by setting a period on the PayPal support server, and when the contract period arrives, the money is automatically provided along with the contract, and the contract expires. The payment will be processed automatically.

Next, the prior art existing in the technical field of the present invention will be briefly described, and then the technical matters to be made differently from the prior art will be described.

First, Korean Laid-Open Patent No. 2017-0033010 (2017.03.24.) Relates to an employee's payment system, which is a server of a payment support institution that deposits into a financial account of an employee who receives payment on behalf of the payment, A payment support server for repaying the payment of the provisions from the salary of the employee who received the payment and the payment of the payment of the provisions. A terminal of an employee in a company subscribed as a member of a provisional brokerage server, the employee terminal receiving a provisional request from an employee and sending it to the provisional brokerage server, which corresponds to the provisional fee supported by the provisional support server among the salaries of the employee who received the provisional provision. Settle the amount by refunding the amount, and pay the balance of the employee's financial account after deductibles from the salary. The enterprise server, and the server supports cash advance, cash advance relay server, the staff terminal, and the enterprise server to be in the technical features, including wired and wireless networks to connect to a wired communication or wireless communication.

However, in the present invention, a user who needs a feed is required to pay the required amount by using his or her labor bonds, fixed income or fixed income as a collateral through a PayPal support server without using a financial institution, and settled on a payday or repayment date later. Since the composition is proposed, according to the application of the employee's provision of the prior art, the provisional examination is carried out by the provisional support server (bank, insurance company), and the amount requested by the employee is not available, and the employee's salary is provided by the corporate server. The difference in technical characteristics is evident when compared to the technical scheme of deducting incontinence.

In addition, Korean Patent Laid-Open Publication No. 2010-0027196 (2010.03.10.) Relates to a substitute server for payroll deductions, and includes an interface unit for receiving the payment application data through a client-owned wireless terminal, and the received payment application data. A reading unit that reads the client identification information and the provisional amount of money from the client, and identifies the client on a storage medium storing the read client identification information and the amount of the provisional payment, the amount of the provisional amount of payment and the limit of the amount of the provisional payment amount in association with the identification information of the client. A judgment unit which compares the prepaid amount of the prepaid amount of the prepaid amount and the amount of the prepaid amount of the prepaid amount, and determines whether it is possible to substitute the deduction for the deductible amount requested by the client; If the storage medium, the predetermined value corresponding to the client And in that it comprises after the gold receiving means and processing for providing the cash advance amount, to the client service cash advance amount, storage for storing the history of the pay deductions alternative cash advance amount in the predetermined storage medium unit to the technical features.

The prior art is to determine whether it is possible to replace the deductible payroll deductible in accordance with the client's application in the server, and to provide a deductible amount when the deductible payable deduction can be replaced, the separate payment application by the client and the examination of the server side Regardless of the approval, the technical composition of the present invention is different from the present invention in which the required amount of money is secured in advance for the user's own fixed-term bonds, fixed income or fixed income, and later settled as salary or rent.

That is, the prior arts are configured to perform a payment examination on a payment support server operated by a bank or an insurance company according to an employee's request for payment, to pay the amount requested by the employee, and then to deduct the payment from the employee's salary in the enterprise. According to the application, it is possible to substitute a deduction for the salary deduction according to the application to provide a configuration for providing a payment amount, but the technical feature of the present invention, the user who needs a feed through the pay pool support server through the labor bonds, fixed income or fixed income The technical difference is obvious because there is no specific description about the composition of the amount to be paid in advance as a collateral and the amount to be paid in advance to the salary or rent to be provided by the company or the tenant on the salary date or settlement date.

The present invention was created in order to solve the above problems, paying (or monetary) corporate employees or employers, including landlords as a collateral for a certain period of labor bonds, fixed income or fixed income owned by the payer It is an object of the present invention to provide a paypal system and a method of securing cash in advance through a full support server.

In addition, the present invention is not affected by the official credit rating (credit) used by the user in need of feeding, as well as without having to go through a separate procedure provided by the financial institution or company, through the PayPal support server It is another object of the present invention to provide a PayPool system and a method thereof, which can be used to secure cash in advance for a fixed period of labor bonds, fixed income or fixed income, and to settle it later.

In addition, the present invention, the payer support server side, a settler including a company employee or a landlord with a fixed period of labor bonds, fixed income or fixed income, and the renter who pays rent to the company or user to which the user belongs Contracts for bond delegation, collateral establishment, etc., and then provide the necessary pay in advance for the user's fixed-term labor bonds, fixed income or fixed income, and pay the salary or rent on a later salary or repayment date. It is another object of the present invention to provide a payPool system and a method for calculating an amount of money that is settled in advance by a settler or a user.

In addition, the present invention forms a blockchain between the user terminal, PayPool support server, corporate server or settlement server in the process of the user to draw money in advance, the book of money transactions only for the user who is authorized in the PayPool support server Access to data about the company, and also provide proof of transaction at the PayPal support server to receive labor bonds, fixed income or income (rentals, fixed consultation fees, consulting fees, etc.) for workers, employees, and landlords. It is intended to allow a person to draw money on his / her own labor or bonds at any time through PayPal Support Services regardless of the company or the debtor under the contract.

In addition, in the settlement process, when a predetermined contract time arrives, the bill is automatically calculated and settled according to a predetermined contract, and then the transaction book is provided to the creditor, the debtor, and the pay pool support server. It is intended to be completed.

In addition, the present invention, if the user wants to draw money in advance with the security of their bonds, set the period to the PayPal support server to request the service, when the contract period comes automatically provided with the contract, the money is made, It is intended to automatically settle the account when the contract expires.

PayPal system according to an embodiment of the present invention, when the settlement date set in advance and the pay pull processing unit for performing the prepayment of cash on the basis of the pay pull request of the user terminal is set as collateral fixed after a certain period Requesting the prepaid cash settlement to the settlement terminal for paying the bonds, and includes a settlement processing unit for performing the prepaid cash settlement at the expense processed from the settlement terminal, the prepayment of the cash, financial institutions; It is characterized in that it is performed by itself without a review or approval procedure through the user and does not affect the user's credit rating.

In addition, the payPool system, through the user terminal held by the user having the bond, and the settlement terminal held by the payer paying the bond, the work contract confirmation, real estate contract confirmation, bond delegation, collateral setting, settlement of prepaid cash It further comprises a contract processing unit for performing a contract, including collateral processing or a combination thereof.

In addition, the pay pull processor, when performing the prepayment of cash according to the pay pull request of the user terminal, after confirming the limit amount associated with the bond set as collateral, the amount requested from the user terminal and accumulated to date If the sum of the prepayment amount is less than the above limit amount, the prepayment of cash is performed.

In addition, the payPool request may include depositing cash into an account set by a user, paying for purchasing a product, paying for using a service, or a combination thereof, and the settlement may include a prepaid principal and a prepayment fee. And interest during the prepayment period or a combination thereof.

In addition, the settlement date is characterized in that the specific date of the month when the user is provided with a salary or rent from the settlement or specified specific date when performing the contract for the use of the PayPal service.

In addition, the PayPool method according to an embodiment of the present invention, the PayPool processing step of performing a prepayment of cash on the basis of the PayPool request of the user terminal that is set as collateral for the fixed bond after a certain period of time; And a settlement processing step of, when the settlement date is set in advance, requesting the prepaid cash settlement to the settlement terminal paying the bond, and performing the prepaid cash settlement at the expense processed from the settlement terminal. In addition, the prepayment of the cash is characterized in that it does not affect the user's credit rating is performed by itself without a review or approval process through a financial institution.

In addition, the payPool method, in the payPool support server, through the user terminal held by the user having the bond, and the settlement terminal held by the payer paying the bond, work contract confirmation, real estate contract confirmation, bond delegation, It further comprises a contract processing step of performing a contract including the security set-up, settlement of prepaid cash, collateral processing or a combination thereof.

In addition, the step of paying the cash, when performing the prepayment of cash in accordance with the request of the user's paypal, after confirming the limit amount associated with the bond set as collateral, the accumulated amount so far requested from the user terminal If the sum of the prepayment amount is less than the limit amount is characterized in that it further comprises performing the prepayment of cash.

In addition, the payPool request requested from the user terminal in the payPool processing step may include depositing cash into an account set by a user, paying for purchasing a product, paying for using a service, or a combination thereof. The settlement performed in the settlement processing step is characterized in that it includes the prepaid principal, the commission according to the prepayment, the interest during the prepayment period, or a combination thereof.

In addition, the settlement date specified in the settlement processing step is characterized in that the specific date of the current month when the user is provided with a salary or rent from the settlement or specified specific days when performing the contract for the use of the PayPal service.

As described above, according to the paypal system and the method of the present invention, when a user including a company employee or a landlord having a fixed period of labor bonds, fixed income or fixed income needs to be dispatched, the labor is provided through the paypal support server. By using cash, fixed income, or fixed income as collateral, the cash is drawn in advance at a lower cost, and then settled as a salary or rent to be provided by the company or the tenant on a salary or repayment date. There is no need to be rough, free and burdensome cash can be secured and used.

In addition, the present invention is not used by the user to receive a loan through a financial institution, but the cash required through the PayPal support server as a collateral for a certain period of labor bonds, fixed income or fixed income that they have at the time of the need for feeding Because it is used in advance and settled through the salary paid by the company or the rent received by the tenant, it is not affected by the official credit rating referred to by the financial institution.

In addition, the present invention can provide a minimum welfare service for employees, as well as improve the corporate and management image in the case of a general company or institution, and provides benefits of revenue sharing from the PayPal support server according to the employee's performance There is an effect to receive.

1 is a view schematically showing the configuration of a payPool system according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a paypal processing process to which the present invention is applied.
3 is a view showing in more detail the configuration of the payPool support server of FIG.
FIG. 4 is a diagram for describing a settlement method for a specific day of the month and a specific date directly designated by the user, performed by the settlement processing unit of FIG. 3.
FIG. 5 is a diagram for describing a blockchain forming process performed by the contract processor and the controller of FIG. 3.
6 is a flowchart showing in detail the operation of the PayPool method according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a cash payment process according to the user of FIG.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the payPool system and method of the present invention. Like reference numerals in the drawings denote like elements. In addition, specific structural to functional descriptions of the embodiments of the present invention are only illustrated for the purpose of describing the embodiments according to the present invention, and unless otherwise defined, all terms used herein including technical or scientific terms These have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art, and are not construed in ideal or excessively formal meanings unless expressly defined herein. It is preferable not to.

1 is a view schematically showing the configuration of a payPool system according to an embodiment of the present invention.

As shown in FIG. 1, the present invention includes a payPool support server 100, a database 200, a user terminal 300, and a checker terminal 400.

The paypal support server 100 provides a service that allows users who need a feed to draw in advance within a limit of a profit or rent that is definitely generated on a salary or a fixed date, and repay it on a settlement date.

That is, the PayPool support server 100 provides an application program for using the PayPal service to the user terminal 300 held by the users who need the feed, and each user uses the application for a predetermined period of time such as salary, severance pay, and rent. Thereafter, the fixed bond is secured, and the amount of cash that is desired is drawn in advance within the limit of the bond before the pay date or the rent deposit date, and the amount previously drawn from the settlement provider who provides the pay or rent on the settlement date. It supports PayPal service.

In this case, three methods may be used to settle the amount of money that the user has pre-drawn. The first method is to settle some of the wages or rent to be paid to the user according to the settlement request of the amount pre-drawn by the user on the PayPal support server 100 and pay the remaining amount to the user. After the settlement provider provides the user's salary or rent on the basis of the pre-contractual contents to the PayPal support server 100 on the settlement date, the settlement is performed by the payPool support server 100 and then the remaining amount is provided to the user. The third method is to settle directly after the employer receives wages or rents from the company or tenant on the settlement date. In particular, in the second settlement method, the user can use the PayPal service very conveniently since the information about the amount of money that the user has previously drawn is not exposed to the company or the tenant who is the settlement user.

The settlement may be a paypal server, a user, or a debtor, and if the debtor is not a settlement, the paypool server provides the debtor with statistical information on the creditor's exercise of the creditor under the contract to guarantee the anonymity of the creditor. can do.

In addition, the fixed bonds generated after the predetermined period of time are wages and severance pays according to the labor contract between the company and the employees, and rent or monthly rent according to the real estate contract between the lessor and the lessee.

In addition, the user using the PayPal service is a company employee or a landlord with a fixed period of labor bonds, fixed income, or fixed income, and the above-mentioned fixed-term bonds are pledged as collateral before the settlement date (ie, the next salary date or rent payment date). The required cash can be used in advance within the bond's limit. For example, it is preferable to set the limit amount up to about 75% of one month's salary or rent in consideration of fees and interests, but the limit amount can be adjusted by contract, and the settlement date is also set by the contract on the next salary date or rent. Note that it can be extended to a specific date several months after the deposit date.

In addition, the payer who performs the settlement of the amount pre-drawn by the user using the PayPal service is a company or institution to which the user belongs, a tenant who pays the rent to the user, and the like. Based on the settlement request of 100, the amount of money that the user draws in advance is settled to the paypal support server 100, and the remaining amount is paid to the user. The settlement amount is the amount including the prepaid principal, fees under the prepayment, interest during the prepayment period, or a combination thereof.

In addition, the PayPool support server 100, before providing the PayPal service, checks the employment contract, real estate contract confirmation, bond delegation, mortgage from the user and the settler who are the bond and debt related parties, such as salary or rent, And contracts related to settlement of prepaid cash and collateral treatment. At this time, the contract with the user and the settlement is based on the application program installed in the user terminal 300 and the settlement terminal 400, the person in charge of the pay pool support server 100 side You can also visit and process the contract offline.

In addition, the PayPool support server 100 is to pay cash by the payPool request of the user terminal 300, the method is basically to deposit cash directly to the account set by the user, but the user purchases the product All currently known forms, such as making payments for service use, are applicable.

On the other hand, since the PayPool support server 100 prepays the necessary cash as collateral to the user who needs to feed, and then performs the settlement of the prepaid amount, the complicated procedure in the user's financial institution or company Of course, there is no need to review or approve the credit ratings (ie, credit ratings officially referenced by financial institutions), which is very convenient for users who need cash temporarily.

In addition, the PayPool support server 100 is a contract details related to the use of PayPal service through the application program installed on each of the user terminal and the setter terminal 400 and the setter terminal 400, details drawn in advance In addition, the details of the settlement process may be checked at a glance, and the message may be provided to the user terminal 300 and the settlement terminal 400 in a push form as soon as the contract and the usage history are updated.

On the other hand, in the process of the user to draw the money in advance, the blockchain is formed between the PayPool support server 100, the user terminal 300, the corporate server or the settlement server (payer terminal 400), and supports the PayPool Only the authorized user on the server 100 can access the data on the book of money transactions, and the proof of transaction on the PayPal support server 100 to provide labor bonds for workers, employees, and landlords. In addition, a person who will receive fixed income or income (such as rent, fixed counseling fees, consulting fees, etc.) may, in accordance with the contract, use the PayPull support service at any time, regardless of the company or the debtor, to draw money in advance for their labor or bonds. .

In the present invention, the form of the blockchain is based on the type of private blockchain, but it is also possible to configure the type of public blockchain or consortium blockchain. In addition, although the present invention has been described as an embodiment of the type of private blockchain, it is also possible to extend or modify the public blockchain or consortium blockchain type, it is not excluded.

In the settlement process, when a predetermined contract time arrives, the settlement amount is automatically calculated and settled according to a predetermined contract, and then the transaction book is provided to the creditor, the debtor, and the pay pool support server 100 to settle the settlement. To complete.

On the other hand, if the user wants to draw money in advance with the security of their bonds, the period of payment to the PayPal support server 100 requests the service, and when the contract period arrives, the money is automatically provided with the contract. If the contract expires, the settlement will be automatically processed.

The database 200 includes a contract data database 210, a usage history database 220, and a settlement data database 230.

In addition, the database 200 is a contract for the use of the PayPal service made between the payPool support server 100, the user terminal 300 and the settlement terminal 400 (which may be an enterprise server or a settlement server) The management is stored in the contract data database 210. That is, it manages various contract information related to confirmation of working contract, confirmation of real estate contract, delegation of debt, settlement of prepaid cash, settlement of collateral, etc. from employers and settlers who are parties to future bonds and debts.

In addition, the database 200 stores and manages detailed information according to the use of the PayPal service of each user in the usage history database 220 until a preset settlement date. At this time, the usage history database 220 stores the paypal application details, the prepaid amount, the date, etc. for each user based on the limit amount information for each user according to the contract.

In addition, the database 200 displays the settlement date, settlement method, fee, and interest information for each user according to the contract, as well as detailed settlement contents of the use of the PayPal service processed on the designated settlement date, in the settlement data database 230. Store by user.

In addition, the database 200 stores the transaction book used for the blockchain for each transaction, and updates and stores every transaction such as a contract, loan, repayment, and settlement.

The user terminal 300 is a communication device such as a smartphone, a tablet, a notebook PC, etc. possessed by employees, real estate renters, etc. belonging to a company or an institution, and an application program provided by the payPool support server 100 is installed. It is.

In addition, the user terminal 300 draws the feed in advance by using the pay pool support server 100 and the bonds (ie, salaries or rents, etc. that are definitely generated in the future) secured through the application program, and at the settlement date. Contract with PayPal service to settle the pre-drawn amount.

The payment terminal 400 is a communication device, such as a smartphone, tablet, notebook PC, etc. possessed by the person in charge of the company or institution, the real estate renter, etc. to perform the settlement of the amount of money pre-written by the user using the PayPal service In addition, an application program provided by the paypal support server 100 is installed.

In addition, when the settlement terminal 400 is requested to settle the amount prepaid according to the user's use of the PayPal service from the payPool support server 100 through the application program, the prepaid principal, prepayment to the user Fees, interest during the prepayment period, etc. are settled and provided to the PayPal support server 100, and the remaining amount is paid to the user.

On the other hand, with reference to Figure 2 paypal processing provided by the paypool support server 100 in detail as follows.

FIG. 2A is a conceptual diagram for describing in detail a paypal processing process to which the present invention is applied, and FIG. 2B is a conceptual diagram for explaining a blockchain forming process according to a user's use of a paypal service.

First, as shown in FIG. 2A, the payPool support server 100 performs a contract for using PayPal service with the user terminal 300 and the payer terminal 400 (①). In other words, contracts related to employers and settlers who are parties to receivables and debts, such as salaries and rents, which are confirmed after a certain period of time, such as checking labor contracts or real estate contracts, delegating bonds, setting up collateral, settlement of prepaid cash, and collateral processing. .

At this time, the PayPal service of the present invention may be provided in connection with the PayPal support server 100 in order to provide a minimum welfare service to employees at the company or institution, and the employee or renter directly checks the Internet or an advertisement. You can also apply for PayPal through your application program.

As such, when a contract for using the PayPal service is made between the PayPool support server 100, the user terminal 300, and the settlement terminal 400, various contracts related thereto are stored in the database 200. (②), the PayPal service starts.

After the PayPull service contract is made, if the user requests advance payment of the required amount through the application program installed in the user terminal 300, the PayPool support server 100 at the request of the user cash in the user's account It is processed as a payment for the user's purchase of a product or the use of a service (③). In other words, the user can pull the feed in advance before the point where cash is secured by the bond held by the user.

When the cash is paid by the user's request for payment in advance, the PayPool support server 100 stores the payment information, the payment amount, the date, etc. for each user and accumulates them in the database 200 (④).

In addition, the PayPool support server 100 checks the settlement date for each user, and when the settlement date comes, the settlement terminal 400 provides the settlement terminal 400 with information about the prepaid amount of the user's pre-paid amount to settle the settlement. Request and process settlement including prepaid principal, commission according to advance payment, interest during the prepayment period, etc. based on the payment information provided from the settlement terminal 400 (⑤). In this case, the settlement may be directly performed by the user without passing through the settlement terminal 400.

When the settlement of the amount prepaid to the user through the settlement terminal 400 is made, the PayPool support server 100 stores and manages the settlement of each user in the database 200 (⑥), the corresponding user Renew or terminate the service using the PayPal service.

Meanwhile, a blockchain may be formed between the PayPool support server 100, the user terminal 300, an enterprise server, or a settlement server (the settlement terminal 400) in the process of paying the user's money in advance. . In this case, only the user who is authorized by the payPool support server 100 may access the data on the book of the money transaction.

2B illustrates a blockchain forming process formed between a PayPal support server 100, a user terminal 300, an enterprise server, or a settlement server (the setter terminal 400) in a user's use of the PayPal service. Drawing.

First, when a pay pull service is requested from the user terminal 300, the pay pool support server 100 checks the pay pull service requirements such as the amount and duration of the corresponding user to determine the pay pull payment.

And when the payment is made by the user's request, the PayPool support server 100 generates a transaction ledger, and provides the generated transaction ledger to the user terminal 300 and the settlement terminal 400.

The user terminal 300 and the settlement terminal 400 stores and manages the transaction ledger provided from the paypal support server 100 in a personal cloud through a local storage device or a network.

That is, the PayPool support server 100 may download and use an application program (app) necessary to receive the PayPal service to the user terminal 300, the corporate server, or the settlement server (the settlement terminal 400). have. In addition, the user terminal 300, a corporate server or a settlement server (payer terminal 400), etc. on the web-based can be provided with the service to the pay pool support server 100.

In addition, proof of transaction in the PayPal support server 100, so that a person who will receive labor bonds, fixed income or income (rent, fixed consultation fee, consulting costs, etc.) of workers, employees, landlords, etc. Regardless of the debtor, PayPool support services can be used to draw money for their labor or bonds at any time.

In the settlement process, when a predetermined contract time arrives, the settlement amount is automatically calculated and settled according to a predetermined contract, and then the transaction book is provided to the creditor, the debtor, and the pay pool support server 100 to settle the settlement. To complete.

On the other hand, if the user wants to draw money in advance with the security of their bonds, the period of payment to the PayPal support server 100 requests the service, and when the contract period arrives, the money is automatically provided with the contract. If the contract expires, the settlement will be automatically processed.

3 is a view showing in more detail the configuration of the payPool support server 100 of FIG. 1, FIG. 4 is a settlement method of a specific day of the month and a specific date specified by the user directly by the settlement processing unit 140 of FIG. 5 is a view for explaining a block chain forming process performed by the contract processing unit 120 and the control unit 160 of FIG.

As shown in FIG. 3, the payPool support server 100 includes a communication interface 110, a contract processor 120, a payPool processor 130, a settlement processor 140, a storage 150, and a controller. 160 and the like.

The communication interface 110 may provide and update an application program with the user terminal 300 and the payment terminal 400 connected through a network, contract information for using a PayPal service, request a user's PayPool, and Processes data transmission and reception such as prepaid cash information and settlement information of prepaid cash.

In this case, the payment request means that the user includes a cash payment to an account set by a user, payment for a product purchase, payment for a service use or a combination thereof.

In addition, the communication interface 110 is related to the payment data associated with the use of the PayPool service contracted with the user terminal 300 and the settlement terminal 400, the payment of each user's PayPool and the PayPool request Usage history, the settlement data of the prepaid cash for each user, etc. are transmitted to the database (200).

The contract processing unit 120 performs a contract for using the PayPal service with a user who has a fixed amount of salary, rent, etc., which occurs definitely after a certain period of time, and the settler who is the debtor of the bond, and converts contract data into the contract data Transfer to the database 210 to be stored.

In other words, the contract processing unit 120 according to the request of the PayPal service contract of the user terminal 300 and the settlement terminal 400 connected through a network to confirm the working contract, real estate contract confirmation, bond delegation, collateral setting, prepayment Provide a form required for a contract, such as cash settlement, collateral processing, or request a document, signature, etc., and receives the documents, signatures, etc. necessary for the contract from the user terminal 300 and the settlement terminal 400, PayPal service To deal with the contract.

In addition, the contract processing unit 120 further includes forming a blockchain between the user terminal 300, the corporate server or the settlement server (the settlement terminal 400), or a combination thereof.

When the blockchain is formed to execute a contract or settle the transaction, a transaction book is generated as a block, the block includes a hash code, and the hash code may be periodically updated. At a particular transaction, all the books must know the hash code before the deal can be made. In addition, only the user who is authorized by the payPool support server 100 may access data on the transaction book of the money transaction.

In addition, since the payPool support server 100 performs the transaction verification through the blockchain, the creditor does not need to perform any interaction with the debtor.

Therefore, a person who will be provided with labor bonds, fixed income or income (rental fee, fixed consultation fee, consulting fee, etc.) of workers, employees, renters, etc. at any time through PayPal support service regardless of company or debtor under contract The money on the bond can be used in advance.

In the settlement process, when the predetermined contract time arrives, the settlement amount is automatically calculated and settled according to the contract, and then the transaction book is provided to the creditor, the debtor, and the pay pool support server 100 to complete the settlement. Do it.

In this way, if the user wants to draw money in advance using his bonds, the service is requested by setting a period to the PayPal support server 100, and when the contract period arrives, the provision of money is automatically made with the contract. If the contract expires, the settlement will be automatically processed.

The paypal processing unit 130 prepays cash based on a request of the paypal of the user terminal 300 which has set a fixed bond such as labor bonds, fixed income or fixed income to be provided from a company or a tenant after a certain period of time. As a component for performing the, the history collection unit 132, the limit amount check unit 134, the payment unit 136 is configured.

The usage history collecting unit 132 checks whether there is a pay pull request (ie, cash advance payment request) from the user terminal 300, and if the pay pull request is confirmed from the user terminal 300, the prepayment requested amount information; Check the deposit and payment account information.

The limit amount confirming unit 134 checks the limit amount of the corresponding user who requested the paypal stored in the contract data database 210 when a payment is requested from a specific user terminal 300 from the usage history collecting unit 132. To provide to the payment unit 136.

The payment unit 136 determines whether the advance payment of the cash requested by the user is possible, based on the limit amount confirmed by the German-German price confirmation unit 134, and if the advance payment of the cash requested by the user is possible, the user Process the prepayment of the requested cash, and transmits the prepaid result to the usage history database 220 to be stored.

That is, when the payment unit 136 performs prepayment of cash according to the pay pull request of the user terminal 300, the payment unit 136 confirms the limit amount associated with the bond set as collateral, and then requests from the user terminal 300. The prepayment of cash is performed only when the sum of the received amount and the accumulated amount of the prepaid amount up to the present amount is less than the above limit. In this case, the prepayment of cash means payment of cash to the account requested by the user or payment of goods purchase price or service use price.

In addition, the prepayment of cash processed by the payment unit 136 is performed by the PayPal support server 100 itself without a review or approval process through a financial institution, thereby affecting the credit rating officially referred to by the financial institution. Not crazy

The settlement processing unit 140 requests the settlement of the prepaid cash to the user to the setter terminal 400 held by the settler paying the salary or rent to the user when the settlement date set by the users in advance, As a component for performing the cash payment prepaid at the expense received from the settlement terminal 400, the settlement schedule check unit 142, the settlement request unit 144, the settlement unit 146.

The settlement schedule confirming unit 142 refers to the contract data stored in the contract data database 210, checks the settlement date for each user using the PayPal service, and setstles the settlement request information 144. To provide.

In this case, the settlement date means a specific date of the month when the user is provided with a salary or rent from the settlement user or a specified date when the user performs a contract for using the PayPal service.

The settlement requester 144 refers to the settlement data stored in the contract data database 210 based on the settlement date information provided from the settlement schedule checker 142. After confirming, the settlement terminal 400 requests the payment of the prepaid cash information and the prepaid cash used by the user.

The settlement unit 146 processes the settlement at a cost provided from the settlement terminal 400 that is requested to settle the cash prepaid through the settlement request unit 144, and setstles the settlement data database 230. To be saved. In this case, the settlement means a prepaid principal, a fee according to the prepayment, interest during the prepayment period, or a combination thereof.

For example, assuming that 25 days, the salary date of the current month or the rent payment date, are settled as shown in FIG. If the payment is requested from the user between the 1st contract date and the 25th settlement date, the settlement unit 146 checks the limit amount and immediately pays the cash by the corresponding paypool request when the advance payment is possible. If the settlement date is 25 days, the settlement or the user himself is requested to settle the prepaid principal, fee and interest so far, and the settlement is made with the bond set as collateral.

In addition, the settlement unit 146, as shown in (b) of FIG. 4, a user directly sets the 25th of the following month as the settlement date, and performs a pay-pool contract with the user and the settlementr who set the security on the first day of the month. If it is assumed that the payment is requested from the user between the contract date 1 and the 25th of the following month, the payment amount is checked and the advance payment is immediately made in advance if the payment is possible. When the settlement date is reached on the 25th of the following month, the settlement or the user himself or herself is requested to settle the prepaid principal, fee, and interest, and the settlement is made with a bond set as collateral (ie, salary, severance, rent, etc.).

The storage unit 150 stores various operation programs used in the paypal support server 100, and contract data of the user and the setter for use of the pay pool service in the contract processing unit 120, the paypool It performs the function of temporarily storing the settlement information about the payment amount of each user by the settler in the settlement processing unit 140, the usage history including the pay pull request and prepaid cash information of each user in the processing unit 130 do.

The controller 160 controls data transmission / reception with the database in the communication interface unit 110, communication connection with the user terminal 300 and the payment terminal terminal 400, and data transmission / reception related to pay pull service. The contract processing unit 120 controls a contract for using PayPal service with the user terminal 300 and the setter terminal 400.

In addition, the control unit 160 controls the pay pull request and the cash advance payment process of each user in the pay pool processing unit 130, and each of the users through the settlement terminal 400 in the settlement processing unit 140 Control settlement of prepaid amount.

In addition, the control unit 160 is installed in the application program and the update management of the various functions of the user terminal 300 and the settlement terminal 400, as well as the application program installed in the user terminal 300 and the settlement terminal 400 Through this, it controls the provision of a message about contract details, PayPul service details, settlement details, etc. in a push form.

Meanwhile, as shown in FIG. 5, the controller 160 creates a transaction ledger together with the contract processing unit 120 to form a blockchain between contractors (S10), and generates a hash code to attach to the transaction ledger. In operation S20, the generated hash code is stored and managed through the storage unit 150, and a block is generated by encrypting a transaction ledger using the hash code (S30).

In addition, the control unit 160 checks whether the update of the transaction ledger is required (S40), and when the update requires a cycle, the transaction ledger is released with the hash code stored in the storage unit 150 (S50). Next, the transaction content is updated to create a new ledger (S60), and then a hash code to be attached to the ledger is regenerated (S70), and the block is generated by encrypting the ledger with the generated hash code (S80).

At this time, the update of the ledger is preferably performed automatically every preset time (for example, 1 minute interval).

In addition, the user terminal 300 and the settlement terminal 400 provided with the transaction ledger from the payPool support server 100 are local databases provided in each of the user terminal 300 and the settlement terminal 400. (Meaning the storage means provided in the user terminal 300 or the payer terminal 400 itself) or stored in a personal cloud through a network and managed.

Next, an embodiment of the paypal method according to the present invention configured as described above will be described in detail with reference to FIGS. 6 and 7. At this time, each step according to the method of the present invention can be changed in order by the environment or those skilled in the art.

FIG. 6 is a flowchart illustrating in detail an operation process of the PayPool method according to an embodiment of the present invention. FIG. 7 is a flowchart illustrating a cash payment process according to the user of FIG. 6 using the PayPal service.

First, the PayPool support server 100, at the request of the user having a fixed bond after a certain period of time, and confirms the employment contract or real estate contract with the settler with the debt for the user and the bond held by the user, bond delegation, collateral The contract for the use of the PayPal service related to the set-up, settlement of the prepaid cash, collateral processing (S100).

In this case, the employer may be a company employee or a landlord having labor bonds, a fixed income or a fixed income for a predetermined period, and the settlement person is a company or institution to which the employer belongs, a tenant who pays the rent to the employer.

In addition, the PayPool support server 100 stores and manages the contract data for using PayPal service contracted with the user terminal 300 and the settlement terminal 400 in the database 200 and starts the payPool service ( S200).

Subsequently, when the pair check pool request is made from the user terminal 300 in which the application program is installed, the payPool support server 100 prepays cash to the corresponding user based on the contract performed in step S100, and the prepaid amount. The detailed usage history related to the management is stored in the database 200 (S300).

At this time, the prepayment of cash made through the step S300 is performed by the paypool support server 100 itself without a review or approval process through a financial institution, and thus does not affect the user's credit rating.

In addition, the pay pull request requested from the user terminal 300 in the step S300, means cash payment to the account set by the user, payment for the purchase of goods, payment for the use of services, and the like.

The S300 step will be described in more detail with reference to FIG. 7, and the payPool support server 100 determines whether a cash payment is requested according to the use of the payPool from the user terminal 300 (S310).

As a result of the determination in step S310, when the cash payment is requested according to the use of the pay pull from the user terminal 300, the pay pull support server 100 checks the contract data performed in step S100 for the security set by the user. The limit amount is checked, and the amount of the prepaid amount accumulated up to now is checked (S320).

The paypal support server 100 determines whether the sum of the sum of the amount requested from the user terminal 300 and the prepaid amount accumulated up to now is less than the limit amount checked in step S320 (S330). In other words, it is determined whether cash advance payment is possible.

If the cash advance payment is possible as a result of the determination in step S330, the payPool support server 100 processes the prepayment of cash according to the user's request for the payPool (S340), and the user's use of the payPool is displayed in the database ( Cumulatively stored in 200 (S350).

However, if the cash advance payment is impossible as a result of the determination in step S330, the PayPool support server 100 notifies the user terminal 300 of the reason for which cash advance payment is impossible, and guides the update of the payPool service (S360). ).

Now, after paying the cash to the user requesting the PayPal service through the step S300, the PayPool support server 100 determines whether the settlement date is set by the user in advance (S400), and set in advance When the job is provided according to the contract details, the settlement terminal 400 requests the settlement by providing information on the prepaid amount of the user's pre-pull amount (S500).

In this case, the settlement amount requested to the settlement terminal 400 is an amount including the prepaid principal, a fee according to the prepayment, and interest during the prepayment period.

After requesting the settlement to the settlement terminal 400 through the step S500, the paypal support server 100 based on the payment information received from the settlement terminal 400 in advance payment according to the user's use of PayPal The settlement of the cash is performed (S600).

When the settlement according to the user's use of PayPal is terminated, the PayPool support server 100 renews the contract for using PayPal at the user's request, or terminates the PayPool service (S700).

As such, the present invention, the user in need of feeding through the PayPal support server as a collateral with their labor bonds, fixed income or fixed income to draw cash in advance at a low cost, and later from the company or tenant on the pay day or settlement date Since it is settled as a salary or rent to be provided, the user can freely and freely use cash without having to go through a separate procedure prepared by a financial institution or a company.

In addition, the present invention is not used by the user to receive a loan through a financial institution, but as a collateral for a certain period of labor bonds, fixed income or fixed income that they have at the time of the need to feed the cash in advance through the PayPal support server It is not affected at all by the official credit ratings that financial institutions refer to because they are settled and settled through later salaries to businesses or rents from tenants.

As described above, the present invention has been described with reference to the embodiment shown in the drawings, but this is merely exemplary, and those skilled in the art to which the art belongs, various modifications and equivalent other embodiments therefrom I understand that it is possible. Therefore, the technical protection scope of the present invention will be determined by the claims below.

100: PayPull support server 110: Communication interface unit
120: contract processing unit 130: PayPal processing unit
132: usage history collection unit 134: limit amount confirmation unit
136: payment unit 140: settlement processing unit
142: settlement schedule confirmation unit 144: settlement request unit
146: Settlement unit 150: Storage unit
160: control unit 200: database
210: contract data database 220: usage history database
230: settlement data database 300: user terminal
400: Settlement terminal (or server)

Claims (10)

PayPal processing unit for performing the prepayment of cash based on the user's payment of the user's terminal set as collateral after the fixed period; And
And a settlement processing unit for requesting the prepaid cash settlement to the settlement terminal paying the bond when the settlement date is set in advance, and performing the prepaid cash settlement at the expense processed from the settlement terminal.
The prepayment of the cash, PayPal system characterized in that it is performed by itself without a review or approval process through a financial institution does not affect the user's credit rating. The method according to claim 1,
The paypal system,
Through the user terminal held by the user holding the bond, and the settlement terminal held by the payer who pays the bond, work contract confirmation, real estate contract confirmation, bond delegation, collateral settlement, settlement of prepaid cash, collateral processing, or a combination thereof A contract processing unit for performing a contract including a; PayPal system characterized in that it further comprises. The method according to claim 1,
The pay pull processing unit,
When the prepayment of cash is performed according to the user's request of the pay pull, the amount of money received from the user terminal and the amount of the prepayment accumulated up to the present amount are determined after checking the limit amount related to the bond set as collateral. PayPal system, characterized in that for prepayment of cash if less than the limit amount. The method according to claim 1,
The pay pull request,
Including depositing cash into an account set by the user, paying for the purchase of goods, paying for using the service, or a combination thereof,
The settlement is
PayPal system, characterized in that it includes a prepaid principal, a commission under payment, interest during the prepayment period, or a combination thereof. The method according to claim 1,
The settlement date,
PayPal system, characterized in that the specific date of the month when the user is provided with the salary or rent from the settler or the specific date specified when performing the contract for the use of the PayPool service. PayPal processing step of performing a prepayment of cash on the basis of the PayPool request of the user terminal that has set the bond secured after a certain period in the payPool support server; And
And a settlement processing step of requesting the prepaid cash settlement to the settlement terminal paying the bond when the settlement date is set in advance, and performing the prepaid cash settlement at the expense processed from the settlement terminal. ,
The prepayment of cash is carried out on its own without an audit or approval process through a financial institution, so that the user's credit rating does not affect. The method according to claim 6,
The paper pull method,
In the payPool support server, through the user terminal held by the user having the bond, and the settlement terminal held by the payer who pays the bond, the work contract confirmation, real estate contract confirmation, bond delegation, collateral setting, settlement of prepaid cash And a contract processing step of performing a contract including a collateral processing or a combination thereof. The method according to claim 6,
The paypal processing step,
When the prepayment of cash is performed according to the user's request of the pay pull, the amount of money received from the user terminal and the amount of the prepayment accumulated up to the present amount are determined after checking the limit amount related to the bond set as collateral. Paypal method characterized in that it further comprises performing a prepayment of cash if less than the limit amount. The method according to claim 6,
The payPool request requested from the user terminal in the payPool processing step may include depositing cash into an account set by a user, paying for purchasing a product, paying for using a service, or a combination thereof.
The settlement method performed in the settlement processing step, the payment method, characterized in that it comprises a prepaid principal, fees according to the prepayment, interest during the prepayment period, or a combination thereof. The method according to claim 6,
The settlement date specified in the settlement processing step,
PayPal method, characterized in that the specific date of the month when the user is provided with a salary or rent from the settler or a specific date specified when performing the contract for the use of the PayPool service.

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