WO2013180340A1

WO2013180340A1 - Instant living expense loan payment system using positive cycle financial distribution method and positive cycle debit card

Info

Publication number: WO2013180340A1
Application number: PCT/KR2012/007069
Authority: WO
Inventors: 심정택; 강성탁; 오원석
Original assignee: Sim Joung Taek; Kang Sung-Tak; Oh Won-Seok
Priority date: 2012-05-31
Filing date: 2012-09-04
Publication date: 2013-12-05

Abstract

The present invention provides a positive cycle financial circulation method using a positive cycle debit card to which a credit function is given for repetitive use for 365 days up to an amount of money limited by the bank even when the member/customer has a zero account balance, and an automatic positive cycle debit card system which determines the credit rating of the member/customer by performing the respective credit evaluation of the bank on the history of use of the issued debit card, raises the limit on funds, and allows the debit card to be automatically and positively cycled by enabling the member/customer to pay by proxy, pay directly, and borrow without interest or commission, thereby providing the excellent effect of vitalizing the economy and the development of the financial industry.

Description

Payment system for immediate payment of living expenses using a virtuous cycle financial distribution method and a virtuous cycle check card

The present invention relates to a virtuous circulation financial distribution method and a payment system for instant payment of living expenses using a virtuous circulation check card, and more specifically, even without a cash balance in the customer's account, within a limit amount set by a financial institution 365 days infinite period, infinite repetition This system relates to a virtuous cycle check card system in which a financial institution issues a virtuous cycle check card to customers using a virtuous cycle financial distribution method that enables payment, and immediately pays up to the maximum amount through a gradual self-assessment of credit. According to the report, if the set limit remains overdue on the settlement date, a payment system that automatically pays interest-free and no-pay fees can be operated, which can contribute to the activation and stabilization of the household economy of the populace, and to increase job creation and added value for SMEs.

Current credit card systems in financial institutions around the world are a way for consumers to receive goods or services first and then repay them automatically. The current artificial post-circulation credit card system has a problem in that consumers bear high interest rates and have a decentralized benefit from high income earners. On the other hand, the same problem occurs in the case of the check card that allows the use of cash only within the balance of the account book held by the consumer or customer.

Money dominates all economic behavior throughout the industrial society's consciousness, consciousness, and state, and there is an urgent need for technical methods and systems to circulate these currencies without stasis. In particular, consumers or financial customers of goods or services must circulate without stagnation in order to settle and fulfill their consciousness, consciousness and state.

According to the economic situation of the common people in Korea, there are 3.5 million people with bad credit and 6.8 million people who are in a crisis of credit card turnover. More than 30% of the economically active population suffer from economic difficulties. In addition, according to the 2010 statistics, household debt per household is 45.89 million won and per capita debt is 16.49 million won, so the government recognized this as a serious social problem and refrained from using credit cards and recommending the use of check cards. The economic reality of the common people is that more than 80% of the people suffer from lack of account balance every month. According to the same statistics, the default of small loans of less than 1 million won has increased steadily since 2009, and 59% of the large debtors are using the credit card company's card loans, which has a high rate of additional interest burden. The government's policy is that only 6.8 million people will be allowed to issue check cards only due to credit card issuance restrictions (April 9, 2012 / SBS, MBN News Report).

In the current economy, the average rate of cash advances is more than 26% per year and the delinquency rate is over 30%, which is the main source of income for credit card companies. Moreover, it is known that 64% of Korean workers who work in Korea spend their salary 12 days after receiving their salary (June 12, 2011). This fact is a question-and-answer about whether my salary is mine or a credit card company. to be. The reality of the common economy is that even though the consumer of financial distribution is a consumer, the profit pursuit is left to the credit card companies, and the operating profit of the card companies in 2010 exceeded 1.4 trillion won.

As a result of the financial reality of arteriosclerosis, the virtuous circle of the stagnant household economy is stagnant, the distribution consumption of daily necessities is declining, the consumption financial market economy is slowing, the credit poor is increased, the youth unemployment is increased, and the re-investment of SMEs is absent. It is happening.

Therefore, the present invention has been completed while intensively studying the prescription for penetrating the arteriosclerosis of the household economy and the corporate economy as described above.

The purpose of the present invention is to overcome the national economic realities as described above and to improve the national competitiveness in the article regeneration of the poor credit.

Another object of the present invention is to rescue the common people in crisis and to establish a sound card use culture.

Still another object of the present invention is to provide a so-called virtuous cycle financial distribution system that is free of interest, no fees, living expenses and payments immediately.

The above object of the present invention is achieved by improving a virtuous cycle financial distribution method having a credit function that can be used for 365 days indefinitely and infinitely repeatedly for a lifetime even without a bankbook balance.

Another object of the present invention was achieved by issuing a virtuous cycle check card from a certain amount irrespective of credit and providing a virtuous cycle check card system that immediately pays and loans living expenses up to a predetermined maximum amount through its own credit rating.

Another object of the present invention was achieved by providing a payment system that automatically pays with no interest and no fee when a limit of a predetermined maximum amount remains even when the settlement date is overdue.

The present invention not only has the effect of maximizing income to both banks that operate check card systems or corporate customers who use check cards, individuals, and government economic entities, but also to affiliated franchisees for social welfare system improvement funds and various developments. It has the effect of raising funds, creating jobs, and cooperating merchants to increase sales due to fixed customers, promote brand branding and revitalize the economy of ordinary people, and boost the market economy with efficient consumption for general merchants and improve the quality of life through interest-free economic services. And the effect of improving happiness index.

Hereinafter, specific embodiments of the present invention will be described in detail. However, the scope of the present invention is not limited thereto, and the present invention can be implemented within the scope of the present invention by changing the number thereof by using the virtuous cycle check card system of the present invention. Therefore, the present invention, of course, extends the scope of the right to a new method of use, which includes some modification of the order and number of systems.

1 is a diagram showing a consignment management system for each region based on the MOU signing and contract between the GLD headquarters and W Bank headquarters according to the present invention.

2 is a diagram showing an overview of the business scope of the GDL headquarters.

Figure 3 is a flow chart showing the initial limit, period, additional limiting and rating determination of the preferred member customer to operate a virtuous cycle check card system according to the present invention.

Figure 4 is preferred to operate the virtuous cycle check card system according to the present invention GDL headquarters and W bank headquarters and member customers mutual payment, membership guarantee, opening of account, card issuance, membership, the flow of service and membership / customer This figure shows the flow of product purchase, card use and product request, product supply, product demand and product loading between merchant and logistics company, producer / manufacturer and logistics company.

5 is a view showing an effective advantage of the multi-function integrated operating system of the virtuous cycle check card according to the present invention.

6 is a view showing an embodiment of a multi-functional integrated operating system according to the present invention virtuous cycle check card system.

The present invention virtuous cycle check card system is shown in FIG.

As shown in Fig. 1, the MOU for the operation of the virtuous circulation check card system is concluded by a contract between the headquarters of W Bank which intends to introduce the virtuous circulation and preinvestment financial distribution method and the head office (G.D.L holding company). When the contract is completed with W Bank headquarters and GDL headquarters for the development of virtuous circulation and pre-investment financial distribution system, the operating system outline is prepared.

The operating system outline is prepared by the GDL holding company and organized for W Bank headquarters approval. To create an operating system, share computer program software at both headquarters and configure hardware to operate SW. SW development is participated by W Bank and the headquarters of GDL is extreme. HW may be installed at either or both of W Bank and GDL Headquarters.

HW for smooth implementation of the present invention comprises a computer main body (CPU) and a terminal computer.

The preferred HW in the practice of the present invention is to provide the facility and know-how ordered by GDL to the level that can operate the SW most smoothly. All programs are shared between W Bank headquarters and GDL holdings, enabling complementary repairs at any time. The number of terminal computers (hereinafter referred to as T.C) should be appropriately secured according to the number of GDL holdings and shared with each branch bank of W Bank.

Figure 2 shows the business scope of the GDL holding company (head office) and should be designed to understand the installation operation of the T.C.

The headquarters of the GDL Holding Company is 100% directly managed, and all employees should apply the 4 major insurances to ensure business stability. In addition, it is desirable to improve management performance by applying incentives to management performance, consequently contributing to the creation of employment and unemployment rate in Korea.

On the other hand, the regional consignment management management system will be established in order to increase the number of management management systems satisfactorily or successfully operated by the initial three to four companies. (See Figure 2).

Each regional organization's commissioned management system should be designed to maximize profits, but it must be structured to achieve a common goal of revitalizing the local economy.

The principal repayment and limit increase method according to the present invention is carried out as follows.

Example 1 Repayment Method

According to a preferred embodiment of the present invention of the virtuous cycle check card system, the virtuous cycle check card system is introduced and operated to escape from the stress of money by repeating with no interest and no-cost fees for 3 million won every quarter for customers at each branch of W Bank. .

The limit of customer membership card is divided into the initial limit (A) 600,000 won and the additional limit (B) 600,000 won.In the case of the member who uses the first use 600,000 won, the membership card shall be raised to the additional limit of 600,000 won two months after the issuance of the check card. The membership limit is used as a membership card, and the grade is a VIP member. In addition, after two months, customer members who set the initial limit (A) to 1.2 million won will raise the additional limit (B) 1.2 million won to use 2.4 million won as a member check card, and the grade shall be VIP member. In addition, customers who set the initial limit (A) to 9 million won will raise the additional limit (B) by 3 million won after two months, and the use of the check card will be upgraded to Super VIP customer member of 12 million won. After two months, the customer member who set the initial usage limit (A) to 12 million won raises the additional limit (B) by 3 million won to raise the use of the check card to 15 million won so that the grade can be upgraded to a prestige customer member.

Examples 2 to 3. Immediate payment and instant loan method

According to the above-mentioned virtuous circulation financial distribution method, the card member / customer uses 100% of the set limit regardless of the account balance, for example, the repayment method uses 100% of the set limit in the process of daily payment after 20 days. It may be 20 days before or after 20 days. If the usage limit is 100 days before 20 days, 100% of the usage limit will be repaid from the next day.If the usage limit 100% is 20 days after the payment is made, the remaining limit is automatically settled. A principal repayment is made from the balance.

That is, the principal repayment date may be 10 days before, 10 days after, or 20, 25, 30, 35, 40, 45, 50, 55, 60, allowing members / customers to escape the stress of money and increase happiness. New customer creation is possible.

If the customer used 100% of the limit set in the process of repaying the principal with no interest-free fees after using the limit set by the financial institution, and the next limit is used, the repayment will be made immediately. Can be used.

At this time, if the customer wants to use the check card more, the repayment of the principal is immediately settled in the bank account of the customer's bank account and the limit of the bank account is established at the same time. It is made and approved payment.

For example, if the limit was set at 600,000 won, 30,000 won a day, 100% would be used in 20 days, and the remaining limit of 30,000 won could be used on the 21st day.

However, if the amount used on the 1st day is 30,000 won and the amount used on the 21st is 50,000 won, then the amount of 20,000 won is used for the payment of repayment immediately and the loan is immediately made at the remaining limit, which means that the payment is authorized at the merchant, the check card terminal. do.

Specific examples are as follows.

Example 2. If you spend 30,000 won every day from the 1st to the 20th of every month

The day when the member / customer first used the limit was called (1), and 100% of the limit was used using 100 thousand won using (1) to (20), and 30,000 won was repaid at (21). This payment is available for 30,000 won.

Example 3. If you spend less than 30,000 won every day from 1 to 20 every month

If you spend less than 30,000 won every day from 1 to 20 every month, you can use more than the limit set the next day, so you can repeat the payment and loan more than once.

However, you can use less than 30,000 won and more than 30,000 won in (21). At this time, when the limit is 100%, when the customer waits to approve the amount checked on the card terminal, the principal's balance will be paid out regardless of the date and the loan will be immediately loaned as much as the remaining amount of the limit. It is done at the same time. For this reason, approval and payment can be repeated several times a day.

Therefore, the automatic virtuous interest-free, no-fee check card living expenses instant payment loan can be once a day, two times, or more than 10 times a day, depending on the customer's use.

This will help the common people's household economy, lead sustainable growth, and contribute to social welfare, and it is possible to achieve mutual growth together with finance, corporations, the common people, and social welfare through an automatic, virtuous circulation system.

The method for increasing the plating limit according to the present invention will be described according to the following examples.

Example 4. How to increase the limit

On the other hand, the bank's method of increasing the limit based on its own credit rating is, for example, after using 100% of the limit as follows, when the principal repayment is 70% of 60 days, it increases the level 1 limit and uses the limit of 100%. After that, when the principal repayment is 60% of 60 days, the second grade limit will be increased, and after using 100% of the set limit, if the principal repayment is 50% on 60 days, the limit will be increased to the third level.

In addition, after 100% of the usage limit is used, if the principal's repayment is 70% based on 90 days (quarterly), the 1st grade limit is increased. After the usage limit is increased to 100% and the principal payment is 50% based on 90 days (quarterly), increase the limit to Level 3 and adjust as follows.

Hereinafter will be described in detail with reference to the preferred virtuous cycle check card system of the present invention.

Example 5.

According to a preferred embodiment of the present invention of the virtuous cycle check card system, a virtuous cycle financial distribution method as shown in FIG. 3 is operated between the GDL headquarters, the W bank headquarters, and a member customer.

As can be seen in Figure 4, the GDL headquarters mutual member guarantee and interest payment guarantee in accordance with the contract with the contracting party W Bank headquarters and the virtuous cycle check card system of the present invention, and then the member / customer of the GDL headquarters to open the account book If requested, W Bank headquarters will be issued through each branch, and members / customers will apply for membership at GDL headquarters, and GDL headquarters will provide services to members / customers.

Member's / customer's service requests product purchase from GDL's headquarters, and the member / customer pays for the service using the check card issued through each branch of W Bank.

On the other hand, the GDL headquarters is to install and operate an affiliate store that performs a variety of services as shown in Figure 2 can provide a quality service to any service needs of members / customers. The merchant may be any service planned by the GDL headquarters. However, the GDL headquarters can be classified into general affiliated stores, directly managed affiliated stores, and cooperative affiliated stores according to the types of services and products to be provided to members / customers.

In order to facilitate the provision of services and products to be performed to members / customers under the supervision of GDL headquarters, the franchisees will have each merchant sign a product supply contract for production / manufacturing and timely quality service through the logistics company. When the product is supplied to the merchant, the merchant checks the price paid after the purchase request using the check card and supplies the service / product to the member / customer.

Example 6.

As another embodiment of the present invention illustrates a case of introducing a system for multifunctional integrated operation of the present invention virtuous cycle check card.

In other words, according to the present invention, the virtuous cycle check card system is multifunctionally integrated into a general affiliated store, a managed affiliated store, and a cooperative affiliated store according to FIG. 4. In the present invention, the virtuous circulation check card is preferably operated by the GDL headquarters according to the characteristics of the service / product.

Advantages obtained as a result of the multifunctional integrated operation are shown in FIG. 5. According to Figure 5, for example, depending on the member can offer a multi-function card issuance service, such as membership recruitment function, ID card, On / Off Line services can be provided. In another embodiment, it may be possible to provide a general purpose electronic account / card service, charge, deposit and withdrawal, real account transfer, interest-free payment loan service, and on / off line service. In another embodiment, it may be possible to perform a distribution margin cash back service when using a point service, earning, using, inquiry / free cash conversion service, on / off line total service, retail store, and shopping mall. In addition, the multi-functional integrated operating system is capable of performing various additional services such as payment service, communication, etc. immediately by the merchant.

As a result of the implementation of the present invention, the card merchant fee that can be obtained through each branch of W Bank reports the average monthly living cost per household to 3.13 million won per 100,000 members / customers, and the present invention check card payment machine 50% or 158 million won as monthly use amount. Assuming a monthly income of 1.85 billion won, the annual income is 284.44 billion won. In this way, if the number of merchants / members / customers is 7.7 million, the annual card merchant issuance fee revenue will be 1.45 trillion won.

In addition, according to the embodiment of the present invention, the remittance fee and the ATM fee that can be obtained through each branch of W bank are 1 X average of 10 times X 500 = 5,000 won assuming that the remittance fee of one card user is 0.8%. The ATM fee is 1 person X 10 times a month X 1,000 won = 10,000 won.In the case of 1 million members / customers of merchants, the total annual income of the remittance fee and ATM fee reaches 180 billion won, assuming 420 million members / customers, respectively. Its annual revenues amount to 1.2 trillion won, with a total of 840 billion won. According to the financial distribution method according to the present invention virtuous cycle check card system as described in detail according to Examples 1 to 3 as described in the following [Table 1] the structure of the short-term net profit (based on 2010) as shown in [Table 2] It is possible to obtain the anticipated earnings of the recurring check card payment fees of the card merchant and the remittance fees and ATM fees according to the implementation of the present invention as shown in [Table 3].

Table 1

TABLE 2

TABLE 3

On the other hand, the expected revenue that can be obtained by the GDL headquarters according to the implementation of the present invention is shown in Table 4.

Table 4

According to the third embodiment of the present invention, as shown in FIG. 6, various services may be performed according to the type of affiliated store. As shown in FIG. 6, for example, according to the affiliated franchise store, it is possible to perform asset growth with differentiated services in order to maximize the profits of the GDL headquarters, create a national love fund, create a social welfare system improvement fund, and create a job.

On the other hand, general franchisees have the effect of stimulating consumption, activating the market economy, and improving the quality of life (happy index) with interest-free payment services.

When the check card payment system is authenticated and implemented by the Financial Supervisory Service, the present invention will establish a correct card culture, thereby dramatically increasing the use of the cyclic check card and be able to carry out the top priority of government policies such as revitalizing the economy of small and medium-sized businesses. In addition, it is a very useful invention for the financial distribution industry because it has an excellent effect of developing and exporting financial distribution systems in developing and developing countries.

Claims

In the currency circulation system of the economic entity, which consists of the Benin GDL headquarters, W bank headquarters, franchisees, production / manufacturers and logistics distributors, membership / customer guarantees and interest payments between the head office and the bank, and bank accounts between the bank and member / customers. Opening and issuance of a virtuous cycle check card, membership and service provision between the head office and members / customers, product purchase and use of cards between members / customers and merchants, product request and supply between merchants and logistics distributors, logistics distributors and producers / manufacturers Even if there is no bank account balance, the bank will allow unlimited repetitive financing for 365 days indefinitely within the limit set by the member / customer. A virtuous cycle of financial distribution.
The bank establishes the initial limit to the member / customer, issues a virtuous circle check card, and then checks the credit status with respect to fees, interest and ATM usage for a period of time, and then establishes an additional limit. Instant payment system using a virtuous cycle check card that allows you to escape from the stress of money and give you happiness by letting you use it repeatedly without unlimited interest within a credit limit.
The principal repayment method according to claim 2, wherein the principal of the credit limit is reimbursed from the bank account balance after the principal repayment from the next day after 100% of the member / customer's development limit is used.
3. The method of claim 2, wherein the increase in the credit limit of the credit limit is increased after the 100% of the limit payment is used and the limit is increased based on the standard repayment date.
The method of claim 3, wherein the limit of the member / customer is settled on the basis of 20 days from the date of use of the first (1), and then the payment is made immediately and the loan can be immediately made. .