KR20210001247A - System and method for agent service for billing and payment and computer program for the same - Google Patents

Abstract

A claim and payment brokerage service system includes: a communication part formed to receive contract information including information about a contract amount, a supply period or supply frequency, from at least one of a first user device of a consumer and a second user device of a supplier; a payment management part formed to implement the transfer of funds from the consumer to the supplier in accordance with the contract information by communicating with a financial institution server, while paying an amount at a ratio corresponding to the use frequency of the supply frequency or a use period of the supply period, from the contract amount paid by the consumer, to the supplier; and a refund processing part formed to return an amount, which is not paid to the supplier, of the contract amount to the consumer in response to the receipt of a contract cancellation request from the first user device or the second user device to the communication part. Through the system, payment is made from a user to a supplier in accordance with a payment method which can be applied for a long-term contract, thus bringing about an advantage of protecting consumers from an economic risk caused by the nonfulfillment of a contract by a supplier.

Description

Billing and payment brokerage service system and method, and a computer program for the same {SYSTEM AND METHOD FOR AGENT SERVICE FOR BILLING AND PAYMENT AND COMPUTER PROGRAM FOR THE SAME}

The embodiments relate to a billing and payment brokerage service system and method, and a computer program therefor, and more specifically, to create terms according to various transaction methods and contracts between a supplier and a user, and a payment method that may exist in a long-term contract. It is about a technology that can protect consumers from economic risks caused by failure to fulfill a supplier's promise by making payments from the user to the supplier according to the requirements.

Service providers of sports facilities such as health clubs usually set a difference between the price for a short-term (e.g., 1 month, etc.) and a membership card for long-term use (e.g., 6 months or 1 year, etc.), so that consumers can receive long-term membership. They often recommend or induce payments. However, in such a long-term service transaction, even if the supplier's contract failure occurs, such as unilateral business suspension of the supplier after the contract, change of the title holder, and poor performance after the contract, there is a problem in that there is insufficient institutional device to protect consumers.

For example, even if the health club ceases business soon after a consumer purchases a membership card, if the supplier does not voluntarily refund a portion of the membership card, the method for the consumer to recover his or her financial damage is to use the supplier. Since there is only a way to file a lawsuit against the opponent, it is difficult for ordinary consumers to bear the economical and time-consuming costs of lawsuits. In many cases, they endure the damage caused by the supplier's failure to fulfill the contract.

In addition, in the case of a dispute between a supplier and a consumer in a long-term service contract, the contents of the terms and conditions at the time of the contract have an important effect.In the case of a long-term service business targeting individual consumers such as health clubs, the terms and conditions do not exist or In many cases, suppliers unilaterally make contracts with terms and conditions that are favorable to suppliers, and this may also cause consumers to be placed in a disadvantageous position in legal disputes with suppliers.

On the other hand, there is an escrow service as a conventional technology for guaranteeing payment of the price, but until now, the escrow service functions only as a locking device for single-time movement of goods such as used transactions between individuals. Accordingly, there is a limitation in that the conventional technology cannot sufficiently protect consumers against failure to comply with a contract for a long-term service contract that provides a service after a provider has paid a service fee in advance.

Unexamined Patent Publication No. 2001-0085576

According to an aspect of the present invention, a contract between a consumer and a supplier is mediated, but by creating a terms and conditions according to the contract type between the supplier and the user, and mediating payment from the user to the supplier, the user is protected from tyranny, such as the failure of the supplier's contract. In addition, it is possible to provide a billing and payment brokerage service system and method, and a computer program for the same, to the provider to pay the price in various ways according to the needs of the provider and to provide the effect of recruiting potential customers through location-based advertising.

The billing and payment brokerage service system according to an aspect of the present invention includes contract information including information on a contract amount and a supply period or supply frequency from at least one of a first user device of a consumer and a second user device of a supplier. A communication unit configured to receive a signal; Transfer of funds from the consumer to the supplier according to the contract information is executed by communicating with the financial institution server, but the contract amount paid by the consumer corresponds to the period of use during the supply period or the number of uses among the number of supply times. A payment management unit configured to pay the amount of the percentage to the supplier; And a refund processing unit configured to return an amount not paid to the supplier among the contract amount to the consumer in response to receiving a contract termination request from the first user device or the second user device to the communication unit. .

The billing and payment brokerage service system according to an embodiment further includes a terms and conditions management unit configured to generate a terms and conditions corresponding to the contract information when the contract information does not include the terms and conditions.

In one embodiment, the terms and conditions management unit is further configured to verify the terms and conditions included in the contract information when the contract information includes the terms and conditions.

The billing and payment brokerage service system according to an embodiment transmits a contract request corresponding to the terms and conditions generated or verified by the terms and conditions management unit to the first user device and the second user device, so that the provider and the consumer It further comprises a contract management unit configured to sign a contract through the billing and payment brokerage service system.

In one embodiment, the contract information further includes a usage amount for each period or time and discount rate information corresponding to the supply period. At this time, the payment management unit is further configured to pay an amount to which a discount rate is applied to the used amount to the provider.

In one embodiment, the contract information further includes expiration date information. In this case, the payment management unit is further configured to pay an amount not paid to the supplier among the contract amounts to the supplier in response to the expiration of the valid period.

The billing and payment brokerage service system according to an embodiment includes a location-based advertisement corresponding to the consumer based on the location information of the first user device of the consumer or the location information of the provider corresponding to the contract concluded by the consumer. And an advertisement providing unit configured to transmit the location-based advertisement to the second user device.

In the billing and payment brokerage service method according to an aspect of the present invention, the billing and settlement brokerage service system includes a contract amount, a supply period, or a supply frequency from at least one of a first user device of a consumer and a second user device of a supplier. Receiving contract information including information on; Performing, by the billing and settlement brokerage service system, transferring funds from the consumer to the provider in accordance with the contract information by communicating with a financial institution server; Receiving, by the billing and payment brokerage service system, a contract termination request from the first user device or the second user device; And returning, by the billing and payment brokerage service system, an amount not paid to the supplier among the contract amounts to the consumer in response to the contract termination request.

In this case, the step of executing the transfer of funds from the consumer to the supplier includes a payment of an amount corresponding to the usage period during the supply period or the number of usages among the number of times of supply from the contract amount paid by the consumer to the supplier. It includes the step of.

In the billing and payment brokerage service method according to an embodiment, before the step of transferring funds from the consumer to the provider, if the contract information does not include the terms and conditions, the billing and payment brokering service system It further comprises the step of generating the terms and conditions corresponding to.

In the billing and payment brokerage service method according to an embodiment, before the step of executing the transfer of funds from the consumer to the provider, when the contract information includes terms and conditions, the billing and payment brokerage service system is It further includes verifying the included terms.

In the billing and payment brokerage service method according to an embodiment, the billing and settlement brokerage service system is generated or verified by the billing and settlement brokerage service system before the step of transferring funds from the consumer to the provider. And sending a contract request corresponding to the terms and conditions to the first user device and the second user device, thereby signing a contract between the provider and the consumer through the billing and payment brokerage service system.

In one embodiment, the contract information further includes a usage amount for each period or time and discount rate information corresponding to the supply period. In this case, the step of paying the provider includes, by the billing and payment intermediary service system, paying an amount to which a discount rate is applied to the used amount to the provider.

In one embodiment, the contract information further includes expiration date information. At this time, in the billing and payment brokering service method according to the present embodiment, in response to the expiration of the expiration date, the billing and settlement brokering service system pays an amount not paid to the provider out of the contract amount to the provider. It further includes steps.

In the billing and payment brokering service method according to an embodiment, the billing and payment brokering service system provides the consumer based on location information of the second user device or location information of the provider corresponding to a contract concluded by the consumer. Determining a location-based advertisement corresponding to; And transmitting, by the billing and payment brokering service system, the location-based advertisement to the second user device.

The computer program according to an embodiment is for executing the billing and payment brokerage service method according to the above-described embodiments by being combined with hardware, and may be stored in a computer-readable medium.

According to the billing and payment brokerage service system and method according to an aspect of the present invention, in the case of contract failure, such as unilateral business suspension of the supplier, change of title holder, and poor performance after the contract, in a long-term transaction contract between the consumer and the supplier, the consumer Since the amount corresponding to the portion that has not yet used the service can be refunded from the payment brokerage service system without the consent of the supplier, it is possible to fundamentally block the financial damage to the consumer that may occur through the supplier's failure to fulfill the contract.

In addition, disputes between consumers and suppliers are likely to occur when the terms and conditions do not exist or are unfair terms. According to the billing and payment brokerage service system and method according to an aspect of the present invention, through the billing and settlement brokerage service system at the time of contract. By creating negotiated terms and/or contracts, it is possible to fundamentally block future disputes that may arise between consumers and suppliers, and to prevent damages to consumers due to unfair terms and conditions.

Furthermore, according to the billing and payment brokerage service system and method according to an aspect of the present invention, by preparing terms and contract criteria according to various transaction methods between a supplier and a consumer, it is possible to generate standard terms and conditions suitable for individual contract contents, Convenience of contracts can be facilitated by transferring funds from consumers to suppliers in accordance with various payment methods that may occur in long-term transactions rather than single-shot transactions.

1 is a schematic block diagram of a billing and payment brokerage service system according to an embodiment.
2 is a flow chart of a billing and payment brokerage service method according to an embodiment.
3 is a flowchart of a billing and payment brokerage service method according to another embodiment.
4 is a flowchart of a billing and payment brokerage service method according to another embodiment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the drawings.

1 is a schematic block diagram of a billing and payment brokerage service system according to an embodiment.

The billing and payment brokerage service system 3 according to the embodiments generates terms and conditions related to a long-term transaction contract related to goods and/or services provided by a supplier to a consumer, signing a contract, paying the price, canceling the contract, and remaining payment. It functions to realize a refund, etc.

In the present specification, a supplier refers to a business operator that operates a service that provides goods and/or services to consumers over a predetermined period or number of times, rather than one time. For example, suppliers include 1) gym services such as a health club, golf practice range, personal PT (Personal Training) club, Pilates academy, and tennis practice range, 2) beauty related services such as beauty salons, skin care salons, nail art shops and massage shops, 3) Hospital services such as dentistry, plastic surgery, dermatology, oriental clinics, 4) private tutoring services such as art, musical instruments, and English, 5) academy services such as entrance examination academy, taekwondo academy, and art academy, 6) entertainment facilities such as kids cafes , 7) Catering services such as coffee shops and restaurants, 8) Joint purchase at clubs such as automobiles, bicycles, skis, golf, etc., operator of commercial services on the Internet, such as social network service (SNS) services or markets through blogs However, it is not limited thereto. In addition, in this specification, a consumer refers to a user who pays a price and uses a provider's service.

Referring to FIG. 1, the billing and payment brokerage service system 3 according to the present embodiment includes a user device 1 of one or more consumers, a user device 2 of one or more providers, and funds through a wired and/or wireless network. It is configured to be able to communicate with the financial institution server 4 for transfer. In addition, in one embodiment, the billing and payment brokerage service system 3 is configured to be able to communicate with a location-based server 5 that provides location-based advertising content.

The communication method through a wired and/or wireless network may include all communication methods capable of networking an object and an object, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. For example, wired and/or wireless networks include Local Area Network (LAN), Metropolitan Area Network (MAN), Global System for Mobile Network (GSM), Enhanced Data GSM Environment (EDGE), and High Speed Downlink Packet Access (HSDPA). , W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Division Multiple Access), Bluetooth, Zigbee, Wi-Fi, VoIP (Voice) over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA+, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), Wi-MAX (World Interoperability for Microwave Access), and refers to a communication network by one or more communication methods selected from the group consisting of ultrasonic communication. However, it is not limited thereto.

In Fig. 1, a first user device 1 represents a device used by a consumer, and a second user device 2 represents a device used by a supplier. The number of each user device shown in the drawings is merely exemplary, and does not limit the actual number of consumers or suppliers who use the billing and payment brokerage service system 3.

The billing and payment intermediary service system 3 is configured to enable the execution of functions of the application by communicating with an application (or app) running on the user devices 1 and 2. For example, the user devices 1 and 2 are installed with an application that can enter into a contract by communicating with the billing and payment brokerage service system 3 and request payment and refund, and the billing and settlement brokerage service system 3 ) May perform a function of an application service server that enables the operation of the application.

Or/In addition, the billing and payment brokerage service system 3 is a web server that provides a predetermined web page that can be accessed through a web browser or the like running on the user devices 1 and 2. server). In FIG. 1, the first user device 1 is shown in the form of a smartphone, and the second user device 2 is shown in the form of a notebook computer, but this is illustrative, and consumers and suppliers are different mobile communication terminals and personal computers. Billing and payment brokerage service system (3) using arbitrary computing devices such as (personal computer), personal digital assistant (PDA), tablet, and set-top box for IPTV (Internet Protocol Television), etc. ) Can be used.

The billing and payment brokerage service system 3 according to the embodiments may have a side that is entirely hardware, or partially hardware and partially software. For example, each unit included in the billing and payment brokerage service system 3 may collectively refer to hardware and related software for processing data of a specific format and content or/or sending and receiving data in an electronic communication method. In this specification, terms such as "unit", "module", "device", "terminal", "server" or "system" are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware may be a data processing device including a CPU or other processor. In addition, software driven by hardware may refer to an executing process, an object, an executable file, a thread of execution, a program, and the like.

The billing and payment brokerage service system 3 includes a communication unit 31, a payment management unit 35, and a refund processing unit 36. In one embodiment, the billing and payment brokerage service system 3 further includes a payment amount calculation unit 37. In addition, in one embodiment, the billing and payment brokerage service system 3 further includes a terms and conditions management unit 33, a contract management unit 34, and a contract database (DB) 30. Further, in one embodiment, the billing and payment brokerage service system 3 further includes an advertisement providing unit 32.

Each element constituting the billing and payment intermediary service system 3 according to the present embodiment is not necessarily intended to refer to separate devices that are physically separated from each other. That is, each unit 30-37 of the billing and payment brokerage service system 3 shown in FIG. 1 functionally performs the hardware constituting the billing and settlement brokerage service system 3 according to an operation performed by the hardware. It is only a distinction, and each part is not necessarily provided independently of each other. Of course, depending on the embodiment, one or more of the respective units 30-37 may be implemented as separate devices that are physically separated from each other.

The communication unit 31 receives contract information related to a long-term transaction contract between the consumer and the supplier from the first user device 1 of the consumer and/or the second user device of the supplier. For example, the contract information received by the communication unit 31 may include a contract amount accompanying the provision of goods and/or services, and information on a supply period or supply frequency.

When the terms and conditions are not included in the contract information received from the communication unit 31, the terms and conditions management unit 33 creates a terms and conditions based on a pre-stored form, and when the terms and conditions are included in the contract information received by the communication unit 31 In order to protect consumers, verification of the fairness of received terms and conditions can be performed based on pre-set criteria. This will be described in detail later with reference to FIG. 2.

The contract management unit 34 transmits the terms and conditions generated or verified by the terms and conditions management unit 33 to the user devices 1 and 2 of consumers and suppliers, and a billing and payment brokerage service system based on the terms and conditions transmitted by consumers and suppliers. Sign the contract through (3). A process involving communication with the user devices 1 and 2, such as transmission of terms and conditions and signing a contract, may be performed through the communication unit 31. In addition, contract information concluded between a supplier and a consumer through the billing and payment brokerage service system 3 may be stored in the contract DB 30.

The payment management unit 35 communicates with the financial institution server 4 to transfer funds so that a price is paid from the consumer to the supplier in accordance with the contract between the supplier and the consumer. That is, the execution of the transfer of funds by the payment management unit 35 is performed in a manner in which the payment management unit 35 requests the financial institution server 4 to transfer funds based on the contract amount and account information received from the supplier and the consumer. I can. At this time, the payment management unit 35 does not transfer all the amounts paid by the consumer to the supplier at once, but the ratio corresponding to the period of use and/or the number of times the consumer actually enjoyed the product or service in the contract amount between the consumer and the supplier. Only the amount of is paid to the supplier several times.

In one embodiment, the amount to be paid for each payment to the supplier may be determined by the payment amount calculating unit 37. For example, the payment amount calculation unit 37 divides the contract amount corresponding to a long-term (eg, 6 months or 1 year) usage fee by a unit period (eg, 1 month) to determine the payment amount each time, and the corresponding unit period is Whenever elapses, an amount corresponding to the amount paid each time may be paid to the supplier. In addition, the contract between the supplier and the consumer may include the amount used for each period or time and discount rate information according to the long-term transaction, and at this time, the payment amount calculation unit 37 determines the amount used for each unit period or each use time. A discount rate applied may be paid to the supplier. In this case, the payment amount determined by the payment amount calculating unit 37 may be in the form of cash, or may be in the form of deducting a pre-registered use ticket or coupon.

On the other hand, before the consumer uses all the goods and/or services for the contracted period of use or the number of uses, if termination of the contract is requested from one or both of the consumer and the supplier, the refund processing unit 36 It is configured to return the remaining amount of the contract amount not yet paid to the supplier to the consumer. Therefore, even if non-fulfillment of the contract, such as the supplier's business suspension, change of the title holder, and poor performance of the contract, occurs after a long-term transaction contract, the consumer charges the amount corresponding to the goods and services that he or she has not yet used from the billing and settlement brokerage service system (3). Because you can get a refund, you can protect consumers from unilateral tyranny of the supplier.

On the other hand, the validity period may be set in the contract information, and even before all products and/or services are provided, when the expiration period elapses, the payment management unit 35 may pay all the remaining amounts to the supplier. Therefore, after the expiration of the valid period, the refund by the refund processing unit 36 is not made.

In one embodiment, the advertisement providing unit 32 serves to provide location-based advertisement content to the consumer based on the location of the consumer. For example, the advertisement providing unit 32 is based on the information on the global positioning system (GPS) received from the user device 1 of the consumer or the consumer information or supplier business information among the contents of the contract information stored in the contract DB 30, You can determine the information about the region where the consumer is located. In addition, the advertisement providing unit 32 may provide a location-based advertisement corresponding to the location based on the determined consumer location to the user device 1 of the consumer. In one embodiment, the location-based advertisement may be received from the location-based server 5 to the advertisement providing unit 37.

2 is a flowchart of a billing and payment brokerage service method according to an embodiment.

2, the billing and payment brokerage service system 3 receives contract information for a contract between a consumer 10 and a supplier 20 from one or more contracting entities of the consumer 10 and the supplier 20. Yes (S11-1, S11-2). In the drawing, it is shown that the consumer 10 and the provider 20 transmit information to the billing and payment brokerage service system 3 or receive information from the billing and settlement brokerage service system 3, but this is for convenience of explanation. As such, it will be readily understood by those skilled in the art that the actual information communication process is performed using the user devices 1 and 2 (FIG. 1) of the consumer 10 and the supplier 20.

In one embodiment, the billing and payment intermediary service system 3 includes financial information for the billing and payment intermediary service system 3 to process payments from the consumer 10 to the supplier 20 in addition to the contract information. do. For example, financial information may include an account number and account name of the provider 20. In addition, in an embodiment, in the financial information, the billing and settlement brokerage service system 3 using the payment method of the consumer 10 provides information on the payment method of the consumer 10 for paying the price to the provider 20 (for example, Account number and account name, card number and expiration date, etc.) and user authentication information (eg, ID, password, public certificate, etc.) may be included.

As an example, the billing and payment brokerage service system 3 performs user authentication by accessing a financial institution server 4 such as a bank or a credit card company in a screen scraping method using the authentication information of the consumer 10, The payment to the supplier 20 may be made using a bank account of the consumer 10 or a credit card of the consumer 10.

However, this is illustrative, and in another embodiment, when the consumer 10 pays the contract amount to the billing and settlement brokerage service system 3 at a time using their user device, the billing and settlement brokerage service system 3 In ), the contract amount paid by the consumer 10 may be stored in an account in the name of the operator of the billing and settlement brokerage service system 3. In this case, payment from the billing and settlement brokerage service system 3 to the provider 20 is a method in which funds are transferred from the account in the name of the operator of the billing and settlement brokerage service system 3 to the account in the name of the provider 20 It can also be done.

Next, if the contract information includes the terms and conditions received from the supplier 20, the billing and payment brokerage service system 3 verifies whether the received terms and conditions meet the fair trade standards for protection of the consumer 10. Can be performed (S12). In the case of Korea, the fair trade standards may be defined by the laws of the country in which the billing and payment brokerage service system 3 is operated, such as the Door-to-Door Sales Act, the Act on the Regulation of Terms and Conditions, or the billing and settlement brokerage. It may be set by the operator of the service system 3 by itself. In addition, when the contract information does not include the terms and conditions, the billing and settlement brokerage service system 3 may be generated based on the fair trade standard stored in the billing and settlement brokerage service system 3 (S12).

For example, the billing and payment brokerage service system 3 allows the consumer 10 or the supplier 20 to check the terms for cancellation and refund from among predetermined options when entering contract information, or By extracting the matters related to cancellation and refund from the terms and conditions entered in the form of electronic data from the consumer 10 or the supplier 20, it is possible to check the cancellation and refund related matters that require verification among the terms and conditions. If necessary, the billing and payment intermediary service system (3) will extract information related to cancellation and refund from the electronic document of the terms and conditions uploaded by the consumer (10) or the supplier (20) using Optical Character Recognition (OCR). May be.

Next, the billing and payment intermediary service system 3 may verify whether the cancellation and refund-related matters extracted from the terms and conditions stipulate a refund of the contract amount due to the intermediate termination of the consumer 10. For example, the fair trade criterion for verifying the terms and conditions may be to return to the consumer 10 an amount obtained by subtracting an amount corresponding to the usage period from the contract amount when the consumer 10 terminates in the middle. At this time, if the terms and conditions of the contract information stipulate that a refund is not possible in the event of an intermediate termination, or if it defines that an amount less than the proportion corresponding to the used amount of the contract amount is returned to the consumer 10, the billing and payment brokerage service system (3) may determine that the relevant terms and conditions have failed verification and request the supplier 20 to supplement it.

As another example, the fair trade criterion for verifying the terms and conditions may be to determine the person responsible for the penalty according to the reason attributable to the intermediate termination. At this time, if the terms and conditions of the contract information are defined as the burden of the consumer without specifying the reason attributable to the termination of the contract information, the billing and payment brokerage service system (3) determines that the terms and conditions have failed verification and the supplier ( 20) can be requested to supplement. For example, in this case, supplementation to the terms and conditions means that, in the case of contract failure, such as a suspension or poor performance of the supplier 20, a regulation that prevents the consumer 10 from paying a penalty for termination of the contract is inserted into the terms and conditions, etc. Can mean

In addition, even when the terms and conditions are not included in the contract information, or when the terms and conditions are included in the contract information, the billing and payment brokerage service system (3) may generate terms and conditions including the above fair trade standards. have.

Since there are various methods in the long-term transaction contract between the supplier 20 and the user 10, the process of verifying and/or creating the above-described terms and conditions is performed using the fair trade standards set for each type of service provided by the supplier 20. Can be created. For example, the billing and payment brokerage service system 3 sets fair trade standards by extracting information on items related to refund and cancellation from standard terms and conditions for each industry provided by external servers (not shown) such as the Fair Trade Commission, and establishes fair trade standards. Terms and conditions that do not conform to may be treated as failed verification.

Next, the billing and payment brokerage service system 3 transmits the generated terms to the consumer 10 and the provider 20, respectively (S13-1 and S13-2), so that the consumer 10 and the provider 20 Even if a contract was previously signed offline, it is possible to induce a new contract to be concluded based on the terms and conditions verified or generated by the billing and payment brokerage service system 3 (S14). For example, when the billing and payment brokerage service system 3 transmits the generated terms and conditions to the consumer 10 and the provider 20, respectively, by transmitting a contract corresponding to the terms and conditions, the consumer 10 and the provider 20 You can also sign a contract by digitally signing it.

The contract between the consumer 10 and the supplier 20 is made by using the terms and conditions that meet the fair trade standards through the billing and payment brokerage service system 3, so that the supplier 20 unilaterally suspends business during the contract Even in the case of non-fulfillment of the contract such as change or poor performance after the contract, the rights of the consumer 10 may be protected by the terms and conditions. As a result, the consumer 10 can enter into a long-term transaction contract with the supplier 20 while feeling less risk than the conventional one, which may lead to an increase in sales of the supplier 20.

However, in another embodiment, the process of creating terms and contracts is omitted, and the billing and payment brokerage service system 3 provides payment and payment based on the contract information provided by the consumer 10 and/or the supplier 20. It is also possible to perform only payment tasks.

The contract between the consumer 10 and the supplier 20 may be a long-term transaction contract that stipulates a service for a specific period of goods and/or services provided by the supplier 20 or a certain number of services. For example, the above contract is the number of contract days related to the purchase of a commuter pass or membership card that enables the use of the service by setting a contract period such as 6 months or 1 year, or a specific use time such as 20 hours or a specific number of uses such as 10 uses. have. The long-term transaction contract in this specification is not intended to limit a specific period or number of times, and is intended to generically refer to a contract for a transaction in which the provision of services is defined by an arbitrary period and number of times, such as 3-4 extracurricular services for short. do.

At this time, the billing and payment brokerage service system 3 according to the embodiments, when the supplier 20 fails to perform the contract while the supplier 20 provides goods and/or services according to the transaction contract, the consumer 10 ), the cost paid to the supplier 20 serves to protect the rights and interests of the consumer 10 so that it is limited to the portion where the consumer 10 is actually provided with goods and/or services.

Specifically, the billing and payment brokerage service system 3 receives the contract amount corresponding to the total contract size between the consumer 10 and the supplier 20 from the consumer 10 (S215), and provides the paid contract amount Instead of paying all to 20, the billing and payment intermediary service system 3 determines the amount of payment for each period and/or number of times of use of the consumer 10 based on the contract content (S16).

Next, the billing and settlement brokerage service system 3 pays the contract amount paid by the consumer 10 to the supplier 20 in proportion to the actual usage period and/or number of times of the consumer 10. (S17). Accordingly, payment to the supplier 20 may be made in response to the elapse of a predetermined unit period of use (eg, one month) or in response to the elapse of each use cycle of the consumer 10.

For example, the billing and payment brokerage service system 3 may select a payment method from the consumer 10 to the supplier 20 from a monthly payment method, a fixed-term system, a money-based system, a coupon system, and the like. The consumer 10 selects a payment method to the provider 20 by accessing the billing and payment brokerage service system 3 using their own user device, and allows them to use the billing and settlement brokerage service system 3 You can check the list of contracts concluded, the contract amount of each contract, the remaining contract period, the discount rate, the amount used, and the balance. The above can be realized through a web page or a user interface provided to a user device that communicates with the billing and payment brokerage service system 3. Alternatively, the payment method is determined by the supplier 20, not the consumer 10, and the consumer 10 uses the service by signing a contract according to the payment method provided by the corresponding supplier 20 for each supplier 20. May be.

At this time, the billing and payment brokerage service system 3 divides the contract amount according to the payment method contracted between the consumer 10 and the supplier 20, and the divided price is paid to the supplier 20 multiple times. Make it possible.

For example, in the case of (i) a monthly payment method, the billing and payment brokerage service system 3 may pay a certain amount to the provider 20 at a specific time each month. In addition, (ii) in the case of a fixed-term system, the billing and payment brokerage service system 3 calculates the period of use of the consumer 10 at the time of payment set in advance or requested by the supplier 20, and is proportional to the period of use of the contract amount. The amount can be paid to the supplier (20). In addition, (iii) in the case of the price system, the billing and payment brokerage service system 3 may set a predetermined amount according to the amount of use of the consumer 10 or the number of use of the consumer 10 confirmed from the supplier 20. It can be paid to the supplier 20. Further, (iv) in the case of a coupon system, the billing and payment brokerage service system 3 may pay the supplier 20 an amount corresponding to the value of the coupon used by the consumer 10.

Payment to the supplier 20 as described above is paid to the supplier 20 from the contract amount paid by the consumer 10 to the billing and settlement brokerage service system 3 or a coupon generated corresponding to the contract amount. It can be done by deducting the amount or coupon corresponding to the price.

In one embodiment, the provider 20 using the billing and payment intermediary service system 3 may provide a discount for long-term transactions to the consumer 10. At this time, the billing and payment intermediary service system 3 receives the amount used for each period or period as contract information and discount rate information corresponding to the contract period, and when paying the supplier 20, the amount used for each period or period You can pay the amount to which the discount rate is applied.

Next, the consumer 10 may request termination of the contract from the billing and settlement brokerage service system 3 during a long-term transaction contract (S18). At this time, the billing and settlement brokerage service system 3, based on the terms and conditions verified or generated by the billing and settlement brokerage service system 3, has not yet been paid to the supplier 20 among the contract amounts paid by the consumer 10. The remaining amount may be refunded to the consumer 10 (S19). Through this, in the event of contract failure such as suspension of business or performance of infidelity of the supplier 20 during a long-term transaction, the consumer 10 requests the billing and settlement brokerage service system 3 to terminate the contract, thereby enjoying the service. You can safely get a refund of the amount that corresponds to the percentage you failed to do.

In one embodiment, the billing and payment brokerage service system 3 may determine whether to deduct the penalty from the amount refunded to the consumer 10 through communication with the user device of the consumer 10 and/or the provider 20 have. For example, the consumer 10 may express his or her intention not to bear the penalty by designating that the reason attributable to the supplier 20 while requesting the termination of the contract. For example, this may be implemented in the form of a check box or the like on a user interface in which the consumer 10 requests the billing and payment brokerage service system 3 to cancel the contract.

In the billing and payment brokerage service system 3, when a consumer specifies the reason attributable to termination as the supplier 20, it requests the user device of the supplier 20 to confirm this, and the supplier 20 responds to the request. If agreed, the amount of the remaining amount of the contract amount without deducting the penalty may be paid to the consumer 10. Alternatively, if the supplier 20 does not agree with the request of the consumer 10, a dispute between the consumer 10 and the supplier 20 is expected. In this case, the billing and payment brokerage service system 3 Out of the remaining amount of the amount, the amount of the penalty deducted once is paid to the consumer 10, but the amount corresponding to the penalty is not paid to the supplier 20, and consent for disposal from both the consumer 10 and the supplier 20 It can be stored in the operating account of the billing and settlement intermediary service system 3 until received.

According to the embodiment of the present invention described above, in the long-term transaction contract between the consumer 10 and the supplier 20, in the event of a non-fulfillment of the contract, such as unilateral business suspension of the supplier 20, change of the title holder, and poor performance after the contract, the consumer ( 10) Since the payment brokerage service system (3) can receive a refund for the amount corresponding to the portion of which he or she has not yet used the service, without the consent of the supplier (20), the consumer (10), which may occur through the supplier's failure to comply with the contract. Can fundamentally block the financial damage of

In addition, disputes between the consumer 10 and the supplier 20 are likely to occur when the terms and conditions do not exist or are unfair terms, but according to an embodiment of the present invention, the contract negotiated through the billing and payment brokerage service system 3 By creating terms and/or contracts, future disputes that may arise between the consumer 10 and the supplier 20 can be fundamentally blocked, and comparison of the consumer 10 due to unfair terms can be prevented in advance.

Further, according to an embodiment of the present invention, by preparing terms and conditions and contract criteria according to various transaction methods between the supplier 20 and the consumer 10, it is possible to generate standard terms and conditions suitable for individual contract contents, and It is possible to transfer funds from the consumer 10 to the supplier 20 in accordance with various payment methods that may exist in the transaction, thereby facilitating the convenience of the contract.

For example, examples of business and transaction types of providers to which the billing and payment brokerage service system and method according to the embodiments of the present invention can be applied are as follows.

1) Health club, golf practice range (indoor, outdoor)

For long-term reservations (for example, 3 months or more), payments can be made to the health club in 1-month increments from the contract period. In the event of a supplier's failure to comply with the contract during use, the remaining portion can be refunded to the consumer. Accordingly, consumers hedge the risks of long-term contracts, and suppliers can induce safe long-term contracts to attract more fixed customers.

2) Personal PT-Yoga, PT in the gym, Pilates, golf, tennis, etc.

Individual lessons are divided into units of multiple times (eg, 10, 20, 30, etc.), and services are provided at a discounted price when paying multiple times compared to the amount used once. In the case of individual PT, marketing is actively carried out through SNS, but since it is a transaction between individuals, contracts are often made without a contract, and it can be substituted for the contract by signing a contract through the billing and payment brokerage service system.

3) Beauty related services-beauty salon, skin care salon, nail art, massage, etc.

There is a form in which a consumer receives a service at a discounted price after accumulating a certain amount in advance, or a consumer is provided with a service at a discounted price after contracting multiple tickets.

After the consumer initially pays a certain amount, various prices of services are provided, and a discount contracted price can be paid to the supplier through the billing and payment brokerage service system whenever the service is provided.

Through this, it is possible to provide member services provided by large-scale businesses even in small stores, and in the case of stores with multiple stores, it is possible to induce the use of reserves at stores nationwide.

4) Hospital-dentistry, plastic surgery, dermatology oriental clinic, etc.

Induces a prepaid contract for long-term treatment or procedure rather than short-term treatment There is a possibility that the hospital defaults to the contract that occurs after the discount contract. By using the billing and payment brokerage service system according to the present invention, after calculating the amount per session according to the treatment or treatment plan in the case of a long-term contract between the hospital and the patient, the contracted amount can be remitted to the hospital when the treatment is completed. .

In addition, in the case of multiple contracts such as laser treatment and skin care, the amount calculated per time after each treatment by the consumer can be paid to the hospital through the billing and payment brokerage service system.

5) Private tutoring-art instrument English, etc.

In the case of private tutoring, mainly basic contracts are made, but in the case of arts and sports, long-term contracts are also made, and in the case of long-term contracts, payment can be made according to the number of tutoring through the billing and payment brokerage service system.

In the case of video tutoring, the risk of non-fulfillment of the contract by the provider is high, but if the billing and payment brokerage service system according to the present invention is used, the risk of contract failure can be eliminated because fees are paid after taking classes.

6) Academy-Entrance examination academy, Taekwondo art academy, etc.

Using the billing and payment brokerage service system according to the present invention, it is possible to pay the education fee at the end of the period (eg, the end of the month) after a unit period (eg, 1 month) according to the contractual relationship between the academy and the student. As a result, the academy can expect to create a fixed income by inducing a long-term contract to attract students.

7) Catering business such as coffee shops and restaurants

By using the billing and payment brokerage service system according to the present invention, the catering business can expect a fixed increase in sales before closing by attracting customers through discounts on drinks or food when purchasing a pre-accumulated amount or a prepaid card. In addition, consumers can use drinks or food from a restaurant that they frequently use at a discounted price without having to worry about the business closing of the business.

In addition, in the case of a no-show in which the customer does not visit the restaurant after reservation, the damage of the business owner can be minimized by using the billing and payment brokerage service system according to the present invention.

8) Kids Cafe

In the case of kids cafe, one-time entry is also possible, but if you use the billing and payment brokerage service system according to the present invention, you can sell discount coupons through multiple tickets and deduct the coupon or amount for each use of the consumer.

9) Internet commerce-SNS, blog market, group purchase, etc.

The market for promoting products through online communities and selling products in the form of joint purchase is rapidly increasing, but because transactions are made only on personal credit, damage is likely to occur, such as consumers failing to receive products after payment.

When the billing and payment brokerage service system according to the embodiments of the present invention is used, since payment is made to the supplier as much as the actual consumers use, it is possible to prevent damage to consumers due to loss of contact by the supplier and induce safe transactions.

3 is a flowchart of a billing and payment brokerage service method according to another embodiment.

In the embodiment shown in FIG. 3, the billing and payment intermediary service system 3 receives contract information (S21-1, S21-2), verifies or generates terms (S22), and based on this, the consumer 10 ) And requesting a contract from the supplier 20 (S23-1, S23-2), signing the contract (S24), and receiving the contract amount from the consumer 10 (S25). The process of paying the split price to the supplier 20 by dividing (S26) accordingly (S27) is the same as the corresponding process of the embodiment described above with reference to FIG. 2, and thus a detailed description thereof will be omitted.

However, unlike the above-described embodiment with reference to FIG. 2, in this embodiment, the validity period is set in the contract information between the consumer 10 and the supplier 20, which is a contract between the consumer 10 and the supplier 20 It means the time of expiry of the period. At this time, the billing and settlement brokerage service system 3 pays the installment price to the supplier 20 periodically or according to the usage period, and at the same time determines whether the validity period of the contract has elapsed (S28). As a result, if the validity period of the contract has elapsed, the billing and payment brokerage service system 3 immediately collects the remaining amount of the contract that has not yet been paid to the supplier 20, regardless of the usage period or the number of times the consumer 10 has been used. It can be paid to the supplier 20.

4 is a flowchart of a billing and payment brokerage service method according to another embodiment.

In the embodiment shown in Fig. 4, the billing and payment brokerage service system 3 receives contract information (S31-1, S31-2), verifies or generates the terms and conditions (S32), and based on this, the consumer 10 ) And requesting a contract from the supplier 20 (S33-1, S33-2) and signing the contract (S34) is the same as the corresponding process of the above-described embodiment with reference to FIG. 2, so a detailed description will be omitted. .

Meanwhile, in the present embodiment, the billing and payment brokering service system 3 stores information on the contract concluded between the consumer 10 and the supplier 20 in the billing and settlement brokering service system 3 (S35). Next, the billing and payment brokerage service system 3 receives the location information of the consumer 10 from the consumer 10 (S36) or based on the information on the contract concluded by the consumer 10 with the supplier. It is possible to determine the location information of the region where the consumer is located (S37).

For example, the location information of the consumer 10 may be received by the billing and payment brokerage service system 3 in the form of GPS information using a GPS module provided in the user device of the consumer 10. In FIG. 3, for convenience of explanation, the step (S36) in which the consumer 10 transmits the location information is illustrated as a separate step, but the billing and payment brokerage service system 3 provides contract information from the user device of the consumer 10. The location information may be received from the user device of the consumer 10 at any time when the user device of the consumer 10 communicates with the billing and payment brokerage service system 3, such as a time point at which it is received.

Alternatively, the location information of the consumer 10 is the information of the consumer 10 (e.g., residential address, work address, etc.) entered in the contract concluded by the consumer 10 or the information of the supplier 20 of the contract. It can also be determined based on. For example, the billing and payment brokerage service system 3 determines the unit area (eg, district, etc.) where the supplier 20 is located based on the business registration information of the supplier 20 that has signed a contract with the consumer 10. It can also be determined by the location information of (10). In addition, in one embodiment, when the address of the supplier 20 is not included in the contract information, the billing and payment brokerage service system 3 uses the business registration number of the supplier 20 to an external server (for example, the IRS server Etc.), it is possible to check the business address of the supplier 20 and determine this as the location information of the consumer 10.

Next, the billing and payment brokerage service system 3 may transmit a location-based advertisement corresponding to the determined location information of the consumer 10 to the user device of the consumer 10. For example, location-based advertising is a part of a user interface in which the consumer 10 communicates with the billing and payment brokerage service system 3 on his user device to check the contents of his or her contract or the amount used or the remaining amount of the contract amount. It may be exposed to the consumer 10. In addition, the billing and payment brokerage service system 3 may receive such a location-based advertisement from the location-based server 5 and provide it to the consumer 10.

In embodiments, the location-based advertisement provided by the billing and payment brokerage service system 3 to the consumer 10 is a provider 20 that has signed a contract with the consumer 10 through the billing and settlement brokerage service system 3 It may be an advertisement corresponding to the field. For example, providers 20 upload advertisements that they wish to expose to consumers 10 located in areas where they service products or services to the billing and payment brokerage service system 3 or location-based server 5 The advertisement uploaded by the provider 20 may be transmitted to the user devices of the consumers 10 using the corresponding region as location information.

For example, when the consumer 10 enters into a contract with the supplier 20 located in Gangnam-gu, the user device of the consumer 10 using the billing and payment brokerage service system 3, while located in Gangnam-gu, has a billing and payment An advertisement of another provider 20 called B, which is using the brokerage service system 3, may be exposed. Accordingly, when the providers 20 sign a contract with the consumer 10 using the billing and payment brokerage service system 3, their advertisements may be exposed to potential consumers. This is a reward for the provider 20 for agreeing to the consumer 10 protection function realized through the billing and payment brokerage service system 3, and at the same time, the provider 20 (10) It functions to motivate and sign a contract.

In addition, in one embodiment, the frequency of exposure of the location-based advertisement of the supplier 20 exposed to the consumers 10 is determined by the contract signed by the supplier 20 with the consumers through the billing and payment brokerage service system 3. It may be determined differentially depending on the number, frequency and scale. Therefore, the provider 20, which makes a contract with users through the billing and payment brokerage service system 3, increases their advertising to potential consumers as the contract through the billing and settlement brokerage service system 3 increases. Since you can enjoy a lot of exposure, you will be motivated to use the billing and payment brokerage service system (3), which ultimately contributes to the achievement of the purpose of protecting the consumer (10) from contract failure of the supplier (20) during long-term transactions. do.

In another embodiment, the billing and payment brokerage service system 3 receives advertisement fees from the supplier 20 for exposure of the location-based advertisement, but the amount of advertisement fees paid by the supplier 20 is the corresponding supplier 20 It may be configured to be determined differentially according to the number, frequency, and scale of contracts concluded with consumers through the billing and payment brokerage service system 3. In other words, in this embodiment, the provider 20 uses the billing and payment brokerage service system 3 as an advertising platform to expose their advertisements to potential consumers, but makes a contract through the billing and settlement brokerage service system 3 As this increases, you can enjoy the effect that your own advertisement is exposed more.

The operation of the billing and payment brokerage service method according to the embodiments described above may be implemented at least partially as a computer program and recorded in a computer-readable recording medium. A computer-readable recording medium in which a program for implementing an operation according to the billing and payment brokerage service method according to the embodiments is recorded and includes all types of recording devices in which data that can be read by a computer is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tapes, floppy disks, and optical data storage devices. In addition, the computer-readable recording medium may be distributed over a computer system connected through a network, and computer-readable codes may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing this embodiment may be easily understood by those skilled in the art to which this embodiment belongs.

The present invention described above has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and variations of the embodiments are possible therefrom. However, such modifications should be considered to be within the technical protection scope of the present invention. Therefore, the true technical scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (15)

A communication unit configured to receive contract information including information on a contract amount and a supply period or supply frequency from at least one of a consumer's first user device and a supplier's second user device;
Transfer of funds from the consumer to the supplier according to the contract information is executed by communicating with the financial institution server, but the contract amount paid by the consumer corresponds to the period of use during the supply period or the number of uses among the number of supply times. A payment management unit configured to pay the rate amount to the supplier; And
Claims comprising a refund processing unit configured to return an amount not paid to the supplier among the contract amounts to the consumer in response to receiving a request for termination of a contract from the first user device or the second user device to the communication unit And payment brokerage service system.
The method of claim 1,
Billing and payment brokerage service system further comprising a terms and conditions management unit configured to generate a terms and conditions corresponding to the contract information when the contract information does not include the terms and conditions.
The method of claim 2,
The terms and conditions management unit is a billing and payment brokerage service system further configured to verify the terms and conditions included in the contract information when the contract information includes the terms and conditions.
The method of claim 2,
By sending a contract request corresponding to the terms created or verified by the terms and conditions management unit to the first user device and the second user device, a contract is concluded between the provider and the consumer through the billing and payment brokerage service system Billing and payment brokerage service system further comprising a contract management unit configured to.
The method of claim 1,
The contract information further includes information on a discount rate corresponding to the amount of use for each period or time and the supply period,
The payment management unit is a billing and payment brokerage service system further configured to pay an amount to which a discount rate is applied to the used amount to the provider.
The method of claim 1,
The contract information further includes expiration date information,
The payment management unit, in response to the expiration of the validity period, the billing and payment brokerage service system further configured to pay the supplier an amount not paid to the supplier among the contract amount.
The method of claim 1,
A location-based advertisement corresponding to the consumer is determined based on the location information of the first user device of the consumer or the location information of the provider corresponding to the contract concluded by the consumer, and the location-based advertisement is set to the first user. Billing and payment brokerage service system further comprising an advertisement provider configured to transmit to the device.
Receiving, by the billing and payment brokerage service system, contract information including information on a contract amount and a supply period or supply frequency from at least one of a first user device of a consumer and a second user device of a supplier;
Performing, by the billing and settlement brokerage service system, transferring funds from the consumer to the provider in accordance with the contract information by communicating with a financial institution server;
Receiving, by the billing and payment brokerage service system, a contract termination request from the first user device or the second user device; And
The billing and payment intermediary service system, in response to the request to terminate the contract, including the step of returning an amount not paid to the supplier among the contract amount to the consumer,
The step of executing the transfer of funds from the consumer to the supplier includes: paying the supplier an amount corresponding to a usage period during the supply period or a usage number of the number of times of supply from the contract amount paid by the consumer Billing and payment brokerage service method comprising a.
The method of claim 8,
Before the step of executing the transfer of funds from the consumer to the supplier, if the contract information does not include the terms and conditions, the claim further comprising the step of generating, by the billing and payment brokerage service system, a terms and conditions corresponding to the contract information And payment brokerage service method.
The method of claim 8,
Before the step of executing the transfer of funds from the consumer to the provider, if the contract information includes terms and conditions, the claim and payment intermediary service system further comprises the step of verifying the terms and conditions included in the contract information and Payment brokerage service method.
The method of claim 8,
Before the step of executing the transfer of funds from the consumer to the provider, the billing and payment brokerage service system sends a contract request corresponding to the terms and conditions generated or verified by the billing and settlement brokerage service system to the first user device and By transmitting to the second user device, the billing and payment brokerage service method further comprising the step of signing a contract between the provider and the consumer through the billing and payment brokerage service system.
The method of claim 8,
The contract information further includes information on a discount rate corresponding to the amount of use for each period or time and the supply period,
The step of paying the provider includes, by the billing and payment brokerage service system, paying an amount to which a discount rate is applied to the used amount to the provider.
The method of claim 8,
The contract information further includes expiration date information,
In response to the expiration of the validity period, the billing and payment brokerage service system further comprises the step of paying, among the contract amounts, an amount not paid to the provider to the provider.
The method of claim 8,
Determining, by the billing and payment brokerage service system, a location-based advertisement corresponding to the consumer based on location information of the second user device or location information of the provider corresponding to a contract concluded by the consumer; And
The billing and payment brokerage service method further comprising the step of transmitting, by the billing and payment brokerage service system, the location-based advertisement to the first user device.
A computer program stored in a computer-readable medium to be combined with hardware to execute the billing and payment brokerage service method according to any one of claims 8 to 14.

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