KR20230071916A - System and method for integrated management of grants and computer program for the same - Google Patents

Abstract

According to the present invention, a subsidy integrated management system comprises: a database formed to store subsidy information received from a support agency and including one or more users and a subsidy amount for the one or more users; a communication unit formed to receive a use request of a subsidy from one or more card company servers associated with the user, and to transmit subsidy settlement information including one or more of whether the user can use the subsidy and a use amount of the subsidy to the card company server; and a usage history management unit formed to generate the subsidy settlement information by verifying the use request of the subsidy based on the subsidy information, and to update, when it is determined that the user can use the subsidy, the subsidy information to subtract the use amount of the subsidy determined by the subsidy settlement information from the subsidy amount for the user. Accordingly, the user of the subsidy can use the subsidy using any card.

Description

Support fund integrated management system and method and computer program for it

Embodiments relate to a support fund integrated management system and method and a computer program therefor. More specifically, the embodiments are inconvenient that each card company individually applies for and settles the support fund in the management of the support fund in the form of using the amount supported by the government, etc. to individual consumers through a card, such as the national support fund. It is about technology that solves problems and enables integrated management of support funds.

Employment incentives that support labor costs for small and medium-sized enterprises, work/child incentives that support childcare costs for children of working generations, job security funds that subsidize a set amount per month per worker, There is an employee vacation subsidy that additionally supports the accumulated amount of travel expenses for workers. In addition, recently, systems such as Corona Win-Win National Support Fund and Win-Win Consumption Support Fund are being operated to support the people who have suffered economic damage due to the outbreak of coronavirus infection (COVID-19).

In the case of Corona Win-Win National Support Fund and Win-Win Consumption Support Fund, in order to receive support funds, users must apply for support funds based on a specific card through the card company website, application, call center, ARS, etc. should apply for The user can select a credit card, check card, prepaid card, or local love gift certificate to receive support funds, and the use of support funds and limit management are also performed by each card company based on the card or gift certificate selected by the user.

However, according to the conventional method of using support funds, there is a problem in that the use of support funds is dependent on a specific card selected by the user. That is, in the conventional management method in which subsidy is paid for the card that the user applied for and the card company approves the use of the card while managing the user's subsidy limit and settlement details when the card is used, the user uses several types of cards. There is a problem that it is impossible to use the support fund. In addition, there is a problem in that even a card company providing a card for which subsidies have been paid requires an application for use of subsidies and an additional burden of work for managing the limit of subsidies for each user upon card approval.

Publication No. 10-2009-0023460

According to one aspect of the present invention, in the management of support funds in the form of support organizations such as the government, such as national subsidies, regional gift certificates, welfare subsidies, etc., to support users with a certain amount and use the subsidies through cards, each card company It is possible to provide an integrated support fund management system and method and a computer program for the integrated management of support funds through a unified system without the need to individually apply for and settle support funds for each card.

An integrated support fund management system according to an aspect of the present invention includes a database configured to store support fund information received from a support institution and including one or more users and a support amount for the one or more users; A communication unit configured to receive a support fund use request from one or more card company servers associated with the user, and to transmit support fund settlement information including at least one of whether or not the user can use the support fund and the use amount of the support fund to the card company server; and generating the support fund settlement information by verifying the support fund usage request based on the support fund information, and when it is determined that the user's support fund is available, the support fund usage amount determined by the support fund settlement information is used as support for the user. and a use details management unit configured to update the support fund information so as to deduct from the amount.

In one embodiment, the communication unit is further configured to receive a plurality of subsidy use requests using a plurality of different cards of one user from the one or more card company servers. In this case, the use details management unit is further configured to generate the support fund settlement information by subtracting the support fund use amount for the plurality of support fund use requests from the support amount for the one user.

In an embodiment, the support fund information further includes information on where the support fund can be used, and the request for using the support fund includes card use amount information and member store information. At this time, the use details management unit is further configured to generate the support fund settlement information by comparing the member store information with the usage information and verifying whether the support fund can be used.

The support fund integrated management system according to an embodiment receives the affiliate store information from a plurality of card company servers, classifies the affiliate store information into one or more categories corresponding to the usage information, generates standardized store information, and generates standardized store information. It further includes an information processing unit configured to store store information in the database. At this time, the usage details management unit is further configured to verify whether the support fund is available by matching the affiliate store information included in the support fund use request with the standardized store information.

In one embodiment, the information processing unit is further configured to synchronize the standardized store information with the one or more card company servers.

In one embodiment, the support fund information includes cashback (cashback) information on at least a part of the use amount of the support fund in one or more places of use. In this case, the usage history management unit is further configured to update the support fund information so as to grant the user a cash back amount corresponding to the support fund usage amount determined by the support fund settlement information, based on the cash back information.

An integrated support fund management method according to an aspect of the present invention includes the steps of receiving, by an integrated support fund management system, support fund information including one or more users and a support amount for the one or more users from a support institution; storing, by the support fund integrated management system, the support fund information in the support fund integrated management system; receiving, by the support fund integrated management system, a request for using the support fund from one or more card company servers associated with the user; Generating, by the support fund integrated management system, support fund settlement information including at least one of whether the user can use the support fund and the support fund usage amount by verifying the support fund use request based on the support fund information; transmitting, by the support fund integrated management system, the support fund settlement information to the card company server; and updating, by the support fund integrated management system, the support fund information to deduct the support fund usage amount determined by the support fund settlement information from the support fund amount for the user, when it is determined that the user's support fund is available. .

In one embodiment, the step of receiving the support fund use request includes receiving, by the integrated support fund management system, a plurality of support fund use requests using a plurality of different cards of one user from the one or more card company servers. do. In this case, the generating of the support fund settlement information includes subtracting, by the support fund integrated management system, a support fund use amount for the plurality of support fund use requests from the support fund amount for the one user.

In an embodiment, the support fund information further includes information on where the support fund can be used, and the request for using the support fund includes card use amount information and member store information. In this case, the step of generating the support fund settlement information includes verifying whether the support fund can be used by comparing the member store information with the usage information, by the integrated support fund management system.

The support fund integrated management method according to an embodiment includes receiving, by the support fund integrated management system, the member store information from a plurality of card company servers; generating standardized store information by classifying the affiliated store information into one or more categories corresponding to the usage information, by the support fund integrated management system; and storing, by the support fund integrated management system, the standardized store information in the support fund integrated management system. In this case, the step of generating the support fund settlement information further includes, by the support fund integrated management system, verifying whether the support fund can be used by matching the affiliate store information included in the support fund use request with the standardized store information. .

The support fund integrated management method according to an embodiment further includes synchronizing, by the integrated support fund management system, the standardized store information with the one or more card company servers.

In one embodiment, the support fund information includes cashback information on at least a part of the use amount of the support fund in one or more places of use. At this time, the support fund integrated management method includes updating the support fund information so that the support fund integrated management system grants the user a cashback amount corresponding to the support fund usage amount determined by the support fund settlement information, based on the cashback information. contains more

The computer program according to one aspect of the present invention is for executing the support fund integrated management method according to the above-described embodiments in combination with hardware, and may be stored in a computer-readable recording medium.

According to an integrated support fund management system and method according to an aspect of the present invention, an integrated system for calculating the use limit and the use amount for support funds in the form of using the amount supported by the government, etc. to individual consumers through a card, such as the national support fund. By managing this unified method, there is an advantage in that users of the support fund can use the support fund using any card they desire without being limited by the card company or the type of card.

In addition, according to the support fund integrated management system and method according to one aspect of the present invention, since the use of support funds and details of use are unified and managed through an integrated system, the burden of credit card companies due to application and settlement of support funds can be reduced, In addition, there is an advantage in that support organizations such as the government can check at a glance whether government subsidies, etc. provided to individuals or companies in various forms are used for their original purpose.

1 is a schematic block diagram of a support fund integrated management system according to an embodiment.
Figure 2 is a flow chart showing each step of the support fund integrated management method according to an embodiment.
3 is a flowchart illustrating a method of standardizing information on where a support fund is used in an integrated support fund management method according to an embodiment.
4 is a flowchart illustrating a method of managing cashback according to the use of support funds in the support fund integrated management method according to an embodiment.

Hereinafter, with reference to the drawings, look at the embodiments of the present invention in detail.

1 is a schematic block diagram of a support fund integrated management system according to an embodiment.

Referring to FIG. 1 , the integrated support fund management system 3 according to the present embodiment may receive support fund information for one or more users 100 from a support institution 5 . In addition, when the user 100 uses the card 110 at the affiliated store 2 for the use of the support fund, the support fund integrated management system 3 communicates with one or more card company servers 41-44 to check the limit on the support fund and / or settlement can be performed. That is, the support fund integrated management system 3 checks whether there is a support fund balance for the user 100, compares the amount requested by the user 100 with the support fund balance, approves some or all of the card usage amount, , It is possible to perform a settlement process of deducting the approved amount from the user 100's support fund balance.

For the above operation, the integrated subsidy management system 3 may operate while communicating with the supporting organization 5 and one or more card company servers 41-44. In addition, the support fund integrated management system 3 includes a database (DB) 30, a communication unit 31 and a usage history management unit 33. In one embodiment, the support fund integrated management system 3 may further include an information processing unit 32 . Also, in one embodiment, the support fund integrated management system 3 may further include a notification transmission unit 34.

The devices described herein may be entirely hardware, or may have aspects that are part hardware and part software. For example, each unit constituting the support fund integrated management system 3 and each module or unit included in each system, device, server, etc. communicating with it, gives data in a specific format and content in an electronic communication method Devices for receiving and related software may be collectively referred to. In this specification, terms such as "unit", "module", "server", "system", "platform", "device" or "terminal" are intended to refer to a combination of hardware and software driven by the hardware. do. For example, the hardware herein may be a data processing device including a CPU or other processor. Also, software driven by hardware may refer to a running process, an object, an executable file, a thread of execution, a program, and the like.

In addition, each device constituting the support fund integrated management system 3 in the present specification is not intended to refer to a separate physically separated component. That is, each DB 30 and parts 31-33 included in the support fund integrated management system 3 in FIG. 1 are shown as separate blocks that are distinguished from each other, but this is the support fund integrated management system 3 by this It is functionally classified by the action to be executed. Depending on embodiments, some or all of the aforementioned parts may be integrated into the same device, or one or more parts may be implemented as a separate device physically separated from other parts. For example, each of the devices constituting the integrated subsidy management system 3 may be components communicatively connected to each other under a distributed computing environment.

The communication unit 31 is configured to communicate with the supporting institution 5 and one or more card company servers 31-34 through a wired and/or wireless network. The communication unit 31 may receive support fund information including information for identifying one or more users 100 and a support amount for each user 100 from the support organization 5 . Support fund information received by the communication unit 31 may be stored in the DB 30 .

In this specification, the supporting institution 5 refers to a government, public institution, company or organization that pays the user 100 an amount of money that the user 100 can use according to a certain standard. For example, the support institution (5) is the government of the Republic of Korea, and the support money paid by the support institution (5) is the Corona Win-Win National Support Fund and the Win-Win Consumption Support Fund, which are paid to the people as part of welfare or disaster relief policies for the people of the Republic of Korea. etc. can be referred to. However, this is an example, and the support organization 5 and the form of support may be different according to embodiments. For example, in another embodiment, the support organization 5 is a private company, and the support fund may be a welfare cost provided by the company to employees of the company as part of in-house welfare.

When the user 100 tries to use the subsidy by using the card 110 at the affiliated store 2, the communication unit 31 connects one or a plurality of card company servers 41 associated with the card 110 used by the user 100. -44) can receive a request to use the support fund. In addition, the communication unit 31 may provide support fund settlement information including whether or not the user 100 can use the support fund and the support fund usage amount to the card company servers 41 - 44 .

The card 110 in this specification refers to a credit card, a check card, a prepaid card, and the like, and the card company servers 41 to 44 may refer to a card company that issues such a card, but is not limited thereto. For example, in another embodiment, the card 110 may mean a virtual card or gift certificate usable in the mobile device 1 such as a user's smartphone, not a real card, in which case the card company server 41-44 ) may be a payment service server or a payment intermediary service server that issues a virtual card or gift certificate.

In the embodiments of the present invention, the user 100 does not need to separately apply for the use of support money for a specific card to the card company server 41-44, and also determines whether the user 100 uses the support money when requesting payment by the card 110. There is no need to specify whether The user 100 may request payment by simply contacting his/her card 110 to the payment terminal of the affiliated store 2 in the same manner as in the prior art. When the payment terminal of the affiliated store 2 requests approval from the card company server 41-44 corresponding to the card 110, the card company server 41-44 performs the card payment if the use of the corresponding card is subject to the subsidy. Prior to approval, the support fund integrated management system 3 may be requested to use the support fund.

When a request for using the support fund is received from the card company servers 41 to 44, the usage details management unit 33 may verify the request for using the support fund based on the user 100's support fund information stored in the DB 30. That is, the usage history management unit 33 inquires whether or not there is a support fund for the user 100 and/or the balance of the support fund, and if the support fund is available, compares the amount requested for card use and the balance of the support fund to determine the use of the support fund. can be verified

As a result of the verification, when it is determined that the user 100 can use the support fund, the usage details management unit 33 may generate a response authorizing the use of the support fund and/or settlement information including an amount of the support fund used. In addition, the use details management unit 33 may update support fund information in the DB 30 to deduct the used amount from the support amount for the user 100 when the use of the support fund is approved.

In the embodiments of the present invention, the use details management unit 33 allows the user 100 to use the support money granted to the user 100 in one or a plurality of cards 110 issued by one or more card companies. The settlement of can be unified and managed. That is, support fund information supported by the support institution 5 to the user 100 through a process such as service subscription or authentication of the user or support institution is stored in the support fund integrated management system 3 . Thereafter, the amount used by the user with the first card issued by the first card company is deducted from the limit of the support fund, and when the user uses the second card issued by the second card company, the amount of support deducted from the amount of the first card previously used is deducted. The use of support funds through a plurality of cards and the balance of support funds are integrated and managed so that the amount of use of the second card is deducted from the balance.

In one embodiment, the use details management unit 33 includes an affiliated store verification unit 331 that verifies whether the affiliated store 2 requested to use the support fund is eligible for support fund use, and a support fund settlement unit that manages and settles the support fund balance. 332, and a cashback management unit 333 configured to reflect a benefit corresponding to an amount of money used that satisfies a condition among support funds according to pre-set cashback information on support fund information. The operation of each of these parts 331 to 333 will be described later in detail.

The information processing unit 32 serves to create standardized store information by systematizing and standardizing information on affiliated stores 2 that are different for each credit card company and classifying it according to the place of use defined by the supporting institution 5. The information processing unit 32 receives affiliated store information from a plurality of card company servers 41-44, classifies the affiliated store information into one or more categories corresponding to the usage information defined by the supporting institution 5, and provides standardized store information and can be stored in the DB (30). In addition, the information processing unit 32 may transmit standardized shop information to one or more card company servers 41-44 or synchronize it with member store DBs of one or more card company servers 41-44.

The notification transmission unit 34 functions to provide the user 100 with a notification related to payment, use, and management of the support fund for the user 100 . For example, the notification transmission unit 34 notifies the user device 1 in a text message, e-mail, push notification through an application, or other suitable form by communicating with the user device 1 such as a user's smartphone. message can be sent. In one embodiment, the notification message transmitted to the user device 1 may be a message requesting confirmation or approval of the use of the cashback paid to the user 100, which will be described later in detail with reference to FIG. 4.

Figure 2 is a flow chart showing each step of the support fund integrated management method according to an embodiment.

Referring to FIG. 2 , the support fund integrated management system 3 may receive and store support fund information from the support institution server 5 (S11). Subsidy information refers to information specifying the subsidy supported by the support organization out of the amount of money consumed by users, such as citizens of the country, related persons of the organization, or executives and employees of the company, in the country, public institution, or private company. As , information capable of specifying each user, support fund information for the corresponding user, and use information for using the corresponding support fund may be included.

In one embodiment, in order to receive support fund information for a user from the support institution server 5, the support fund integrated management system 3 receives subscription information from the user, and uses the subscription information through the support institution server 5. User authentication can also be performed. However, this is illustrative, and in another embodiment, the support fund integrated management system 3 provides information about users who can receive the support fund supported by the support institution 5 from the server of the support institution 5 without a separate subscription procedure by individual users. It is also possible to receive support fund information collectively.

When a user uses a card at an affiliated store, the affiliated store terminal 2 may request permission to use the card from the corresponding card company server 4 (S12). When requesting permission to use a card, the affiliated store terminal 2 may transmit target card information, affiliated store information, an approval request amount, and the approval request date and time to the card company server 4 . A detailed card approval process may occur via a server of a Value Added Network (VAN) operator and/or an electronic payment gateway (PG) operator, but a description thereof is omitted for convenience of description.

In one embodiment, the card company server 4 may check whether the use of the corresponding card is subject to use of the support fund before requesting approval for the use of the support fund (S13). This is by determining whether the use of the corresponding card corresponds to the area of use of support funds managed by the integrated support fund management system (3), and whether or not to request the use of support funds to the integrated support fund management system (3) before card approval. It means the process for the card company to decide whether For example, each card company may determine whether or not the use requires approval of the support fund based on the type of business of the affiliated store for which card approval is requested, the amount of the card approval request, and/or the date and time of the card approval request.

However, this is just an example, and in another embodiment, the card company server 4 sends support funds to the support fund integrated management system 3 for all card approval requests of a specific card or a specific user without the process of checking whether the support fund is used by itself. It is also possible to request use.

The card company server 4 may request the use of support funds from the support fund integrated management system 3 when it is determined that approval for the use of support funds is required for the card approval request case (S14). The support fund use request transmitted to the support fund integrated management system 3 may include some or all of information received from the affiliated store terminal 2 when the card company server 4 requests card approval. For example, the support fund use request transmitted to the support fund integrated management system 3 may include information capable of specifying a card user, member store information, an approval request amount, and approval request date and time.

In the support fund integrated management system 3 receiving the support fund use request, it is possible to verify whether the corresponding card use corresponds to the support fund use target (S15). In particular, the support fund integrated management system 3 may verify whether or not the affiliate store for which card approval is requested is a target affiliate store for use of the support fund. For example, support fund information may be determined so that support funds can be used only in stores of a specific type of business. In this case, the support fund integrated management system (3) determines the type of affiliate store based on the industry classification code of the affiliate store information requested to use the support fund. It is possible to verify whether the industry falls under the category of subsidy use. Alternatively, based on a classification code that classifies stores according to a predetermined criterion, it can be used only in stores of a specific category (eg, traditional markets, franchise stores), and in stores of other categories (eg, marts, directly managed franchise stores, etc.) Support fund information may be set so that it cannot be used. In this case, the support fund integrated management system 3 may verify the use of the support fund based on whether, for example, the affiliate store requested to use the support fund corresponds to the traditional market.

In addition, the support fund integrated management system 3 may verify the support fund limit for the target user requested to use the support fund (S16). The support amount supported by the support institution to each user is not infinite, and the support fund information may specify the amount of support allocated to each user. The integrated support fund management system (3) deducts and manages the support fund from the support amount of each user whenever the support fund is used, and checks whether the use amount exceeds the current support fund balance whenever the use of the support fund is requested. You can refuse to use the subsidy for the amount you do.

In this way, the support fund integrated management system 3 determines whether the support fund can be used and / or the amount used for the amount requested to use the support fund, and transmits it to the card company server 4 as support fund settlement information (S17). The amount of support fund used may be determined as part or all of the amount requested for card approval according to the user's current balance of support fund. In addition, when it is determined that the support fund is available, the support fund integrated management system 3 may update the support fund information of the DB to deduct the used amount from the current support fund balance of the corresponding user (S18).

The card company server 4 may approve some or all of the amount requested for card approval according to the settlement information received from the support fund integrated management system 3 (S19). For example, if use of only a part of the amount requested for approval is approved as a support fund, the card company server 4 approves the use of the card only for the amount for which the use of the support fund is approved, or uses the support fund for the approved amount for the use of the support fund. , and for other amounts, it can be approved as a general card use amount separate from the card support fund.

In one embodiment, the support fund integrated management system 3 may transmit support fund usage information for one or more users managed by the support institution to the support institution server 5 (S20). At this time, the transmitted support fund usage information may include the amount of support fund used by each user and information on where the support fund is used (i.e., affiliated store). It serves to make it easy to understand.

In one embodiment, the support fund integrated management system 3, the use of the support fund is requested by the card company server 4 (S13), but in the merchant verification process (S15), the merchant's type of business or store classification is used information specified by the support organization Statistical information on card use cases in which the use of support funds is rejected because it does not match may be generated, and the corresponding statistical information may be transmitted to the support institution server 5. In addition, in one embodiment, such statistical information is generated for each individual user, and the notification transmission unit 34 (FIG. 1) of the integrated support fund management system 3 transmits the statistical information to the user device 1, or/or Based on the corresponding statistical information, it is also possible to generate recommendation information for a subsidy use area and transmit it to the user device 1 .

For example, the support fund information may be configured so that the use of the support fund available to the individual varies depending on the individual's residence or the region where the individual applies for a support institution or the support fund integrated management system 3 . For example, in the case of the franchise industry, support funds can be used only at franchise stores where the user resides or where the head office is located in the area where the user resides or applied for directly managed stores, and for affiliated stores (agents), support funds can be used regardless of region. Support fund information may be configured such that whether or not it is used varies based on both the form (franchise store or member store) and the region of the user.

In this case, since the card company server 4 does not know the user's residence or application area, the card approval request with the franchise store as an affiliate is once classified as a subsidy target (S13), and the support fund integrated management system (3) is allowed to use the subsidy. After making the request (S14), the support fund integrated management system 3 may determine whether or not it is an affiliate store that can use the support fund based on the user's residence or application region (S15). At this time, if the user resides in a first region, eg, Gyeonggi-do, or applies for the use of subsidies in Gyeonggi-do, but the use at a franchise store is a lot in a second region, eg, Seoul, which is different from this, the card is used at a franchise store in Seoul. For the subsidy integrated management system (3) in the merchant verification process (S15), the result of rejecting the use of the subsidy will be accumulated.

In this case, the usage details management unit 33 (FIG. 1) of the integrated support fund management system 3 provides statistical information corresponding to the user among the statistical information collected on cases in which the card company server's request to use the support fund was rejected by the integrated support fund management system 3. If the region (region of residence or application) is inconsistent with the criteria for determining the store (e.g., the location of the franchise head office), rejects are extracted, and if the ratio of rejected cases is higher than a preset value, the region for using the support fund is changed. It is possible to generate recommendation information recommending to the user. Also, the recommendation information generated in this way may be transmitted to the user device 1 by the notification transmission unit 34 ( FIG. 1 ).

On the other hand, in one embodiment, the support fund integrated management system 3 standardizes the different affiliated store classifications for each card company according to the support institution's use of support funds, so that each card company is not affected by different affiliated store classifications. It is possible to manage support fund use in a unified manner can make it

3 is a flowchart illustrating a method of standardizing information on where a support fund is used in an integrated support fund management method according to an embodiment.

Referring to FIG. 3 , the integrated support fund management system 3 may receive information on a place of use defining a place of use of a support fund from a support institution server 5 (S21). At this time, the usage information refers to information that classifies stores that can use the support money into one or more preset categories, and may have the form of a classification code that classifies the types of stores or types of stores (eg, traditional markets). It is not limited to this.

In addition, the support fund integrated management system 3 may receive member store classification information of each card company from one or more card company servers 41 and 42 through which support fund use is managed through the support fund integrated management system 3 (S22 and S23). . Each card company categorizes the types of merchants in its own way. In this embodiment, the support fund integrated management system 3 can create standardized store information by matching different types of business categories for each card company to one unified classification system. (S24). For example, the integrated subsidy management system 3 may generate standardized store information by classifying member stores of credit card companies according to one or more categories defined in information on the use of support organizations.

The standardized store information generated in this way may be stored in the support fund integrated management system 3 (S25). In addition, the support fund integrated management system 3 uses the standardized store information for affiliate store verification (S15; FIG. 2) among the above-mentioned support fund use verification with reference to FIG. It is possible to prevent the occurrence of an error in which use is permitted by a certain card company and not allowed by another card company.

In one embodiment, the support fund integrated management system 3 synchronizes the standardized store information generated by the above process with each card company server 41 and 42 (S26 and S27), thereby integrating different merchant classification systems for each card company It is also possible to keep it in its original form. In this case, synchronization of the standardized store information may be performed in a certain time period (eg, day, week, month, etc.) or in real time, and is not limited in a specific way.

Meanwhile, cashback may be provided as a benefit to promote consumption of users in relation to the support money provided by the supporting institution. In this case, the integrated support fund management system 3 may manage support fund information so as to provide users with benefits corresponding to an amount of use that satisfies a specific condition among the amount of support fund used by users.

4 is a flowchart illustrating a method of managing cashback according to the use of support funds in the support fund integrated management method according to an embodiment.

Referring to FIG. 4 , in this embodiment, the support fund integrated management system 3 may receive and store cashback information from the support institution server 5 (S31). Cashback information defines, for example, benefits to be paid to the user for the amount of use that meets certain conditions, such as a specific person, a specific place of use, or a specific amount of use among the support funds of a support institution. As part of the support fund information, the integrated support fund management system ( 3) can be registered.

After that, when the user uses the card, the integrated support fund management system 3 receives a request for using the support fund from the card company server 4 (S32), performs verification of the use limit and where the support fund is used (S33), The result may be transmitted to the card company server 4 as support fund settlement information (S34). Since this process is the same as the embodiment described above with reference to FIG. 2, a detailed description thereof will be omitted to avoid duplication of description.

On the other hand, in this embodiment, the support fund integrated management system 3 may update the support fund information to provide benefits to the user when the support fund use details meet the conditions defined in the preset cashback information (S35). For example, the benefit provided to the user of the subsidy may be to provide a portion (eg, 10%) of the subsidy used in a specific type of usage (eg, traditional market, etc.) to the user as a cashback type of subsidy.

Like the support amount, the cashback amount paid to the user can be used by the user using his/her card. At this time, the cashback provided to the user may be managed as a payment means having a different nature from the support money originally paid to the corresponding user by the supporting institution. For example, users can use the support funds at any store they wish to use in addition to the places that meet the cashback conditions, but the support funds paid as cashback can be used only at places that meet the conditions set in advance by the support organization. In order to do so, the support amount and the cashback amount for the user can be managed as separate payment means in the support fund information.

When the use of the card of the user who has received the cashback is requested from the card company server 4 to the support fund integrated management system 3 (S36), the support fund integrated management system 3 is performed according to the user's selection or preset priority. The support fund settlement process may be managed so that the cashback amount is used first in preference to part or all of the support fund. For example, if the user's use of the support fund is requested and there is a cashback amount available at the store where the user used the card, the integrated support fund management system 3 checks whether the cashback amount is to be used first before using the general support fund. A request can be made to the device 1 (S37).

When the user of the support fund approves the use of cashback using the user device (1) (S38), the support fund integrated management system (3) transfers settlement information for using at least a part of the user's used amount from the support fund and cashback balance to the card company server (S38). 4), and the support fund information and cashback information of the support fund integrated management system 3 may be updated to deduct the support fund and cashback usage amount from the balance (S40).

For example, the integrated support fund management system (3) of the integrated support fund management system (3) to deduct all of the used amount from the cash back balance in preference to the support fund, if the cashback use is approved by the user and the card usage amount is less than the cashback balance. DB can be updated. Alternatively, the integrated support fund management system (3) deducts the amount corresponding to the cashback balance from the used amount first and transfers the remaining amount from the support fund balance, if the card usage amount exceeds the cashback balance but is less than the sum of the cashback balance and the support fund balance. The DB of the support fund integrated management system 3 may be updated to be deducted.

Operations by the support fund integrated management method according to the embodiments described above may be at least partially implemented as a computer program and recorded on a computer-readable recording medium. Computer-readable recording media on which programs for implementing operations by methods according to embodiments are recorded include all types of recording devices in which computer-readable data is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. In addition, computer-readable recording media may be distributed in computer systems 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 can be easily understood by those skilled in the art to which this embodiment belongs.

Further, each block or each step shown in the flowcharts herein may represent a module, segment or portion of code that includes one or more executable instructions for executing specified logical function(s). Also, in some alternative embodiments, it is possible for the functions mentioned in the blocks or steps to occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially concurrently, or the blocks or steps may sometimes be performed in reverse order depending on their function.

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

Claims (13)

a database configured to store support fund information received from a support institution and including one or more users and support amounts for the one or more users;
A communication unit configured to receive a support fund use request from one or more card company servers associated with the user, and to transmit support fund settlement information including at least one of whether or not the user can use the support fund and the use amount of the support fund to the card company server; and
The support fund settlement information is generated by verifying the support fund use request based on the support fund information, and when it is determined that the user's support fund is available, the support fund usage amount determined by the support fund settlement information is converted to the support amount for the user. Support fund integrated management system including a usage history management unit configured to update the support fund information to be deducted from.
According to claim 1,
The communication unit is further configured to receive a plurality of support fund use requests using a plurality of different cards of one user from the one or more card company servers,
The use details management unit is further configured to generate the support fund settlement information by subtracting the support fund use amount for the plurality of support fund use requests from the support amount for the one user.
According to claim 1,
The support fund information further includes information on where the support amount can be used,
The support fund use request includes card usage amount information and member store information,
The integrated support fund management system, wherein the usage details management unit is further configured to generate the support fund settlement information by comparing the affiliate store information with the usage information and verifying whether the support fund can be used.
According to claim 3,
Information processing configured to receive the member store information from a plurality of card company servers, classify the member store information into one or more categories corresponding to the usage information, generate standardized store information, and store the standardized store information in the database. Including more wealth,
The support fund integrated management system, wherein the usage history management unit is further configured to verify whether the support fund can be used by matching the affiliated store information included in the support fund use request with the standardized store information.
According to claim 4,
The information processing unit is further configured to synchronize the standardized store information with the one or more card company servers.
According to claim 1,
The support fund information includes cashback information on at least a part of the support fund usage amount at one or more places of use,
The usage history management unit is further configured to update the support fund information to grant the user a cash back amount corresponding to the support fund usage amount determined by the support fund settlement information, based on the cash back information. Support fund integrated management system.
Receiving, by the support fund integrated management system, support fund information including one or more users and the support amount for the one or more users from a support institution;
storing, by the support fund integrated management system, the support fund information in the support fund integrated management system;
receiving, by the support fund integrated management system, a request for using the support fund from one or more card company servers associated with the user;
Generating, by the support fund integrated management system, support fund settlement information including at least one of whether the user can use the support fund and the support fund usage amount by verifying the support fund use request based on the support fund information;
transmitting, by the support fund integrated management system, the support fund settlement information to the card company server; and
When the support fund integrated management system determines that the user's support fund is available, updating the support fund information so that the support fund usage amount determined by the support fund settlement information is deducted from the support amount for the user. Integrated management method.
According to claim 7,
Receiving the support fund use request includes receiving, by the integrated support fund management system, a plurality of support fund use requests using a plurality of different cards of one user from the one or more card company servers,
The step of generating support fund settlement information includes the step of deducting, by the integrated support fund management system, a support fund use amount for the plurality of support fund use requests from a support fund amount for the one user.
According to claim 7,
The support fund information further includes information on where the support amount can be used,
The support fund use request includes card usage amount information and member store information,
The step of generating the support fund settlement information includes the step of verifying whether the support fund can be used by the support fund integrated management system by comparing the affiliate store information with the usage information.
According to claim 9,
receiving, by the support fund integrated management system, the member store information from a plurality of card company servers;
generating standardized store information by classifying the affiliated store information into one or more categories corresponding to the usage information, by the support fund integrated management system; and
The support fund integrated management system further includes storing the standardized store information in the support fund integrated management system,
In the step of generating support fund settlement information, the integrated support fund management system verifies whether the support fund can be used by matching the affiliated store information included in the support fund use request with the standardized store information. Support fund integration further comprising: management method.
According to claim 10,
The support fund integrated management method further comprising synchronizing, by the integrated support fund management system, the standardized store information with the one or more card company servers.
According to claim 7,
The support fund information includes cashback information on at least a part of the support fund usage amount at one or more places of use,
The support fund integrated management system further comprising the step of updating the support fund information so that, based on the cashback information, a cashback amount corresponding to the support fund usage amount determined by the support fund settlement information is granted to the user. .
A computer program stored in a computer-readable recording medium combined with hardware to perform the support fund integrated management method according to any one of claims 7 to 12.

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