WO2019151702A1

WO2019151702A1 - Method for providing payment-integrated savings service using big data-based intangible savings plan electronic payment

Info

Publication number: WO2019151702A1
Application number: PCT/KR2019/000918
Authority: WO
Inventors: 김범준
Original assignee: 김범준
Priority date: 2018-02-01
Filing date: 2019-01-22
Publication date: 2019-08-08
Also published as: KR101911922B1

Abstract

A method for providing a payment-integrated savings service using a big data-based intangible savings plan electronic payment is provided. The method comprises the steps of: receiving from a payment terminal a payment request event requesting payment to one or more shopping mall servers or one or more member stores; calculating a savings amount at a preset rate with respect to an original payment amount comprised in the received payment event; transmitting a response with respect to the payment request event to the payment terminal such that the payment for an integrated amount in which the calculated savings amount and the original payment amount are integrated can be made in the payment terminal; and, if the payment for the integrated amount is made in the payment terminal, transferring the original payment amount to the one or more shopping mall servers and depositing the integrated amount into an account mapped to an identification code of the payment terminal.

Description

A method of providing payment integrated saving service using electronic payment of intangible saving product based on big data

The present invention relates to a payment integrated savings service providing method using big data-based intangible savings products electronic payment, and provides a method for collecting the savings in proportion to the spending by paying the savings with the payment.

Korea has shown a steady increase in household savings rates during the period of high growth. As a result, Korea was noted as the country with the highest household savings rate in Japan in the late 80s, along with Japan and Taiwan. It contributed to improving the balance of payments, but since then, Korea's household savings rate has declined and declined faster after the financial crisis. In addition, Korea's household savings rate is less than 5%, the lowest level among OECD member countries, compared to that of the US and European advanced economies, which have been much lower than in the past, since the global financial crisis.

At this time, a method of dividing and transferring the amount of money to another account has emerged as a method for increasing the household saving rate. In this regard, the prior art Korean Patent Publication No. 2009-0017743 (published February 19, 2009) and Korean Patent Registration No. 10-1415236 (published July 04, 2014), income from consumption of goods purchased The present invention discloses a business method for reproducing financial income in the future, and a structure in which a savings amount is automatically stored in a savings account according to a predetermined saving condition when using a credit card using a savings system through a credit card.

However, if the credit card is not automatically settled as savings, the user can skip and proceed with the saving process, and if the approval is not processed, only the expenses will increase again and the expenses and savings will be You can't live together and you can't bring your savings to life. In addition, in the event that expenditure may be fluid due to sudden events and accidents, it may only result in the consumer not using the savings product settled with the expenditure if the saving rate cannot be increased or decreased.

One embodiment of the present invention, by automatically providing an interface at a predetermined ratio of the amount of payment to pay the savings, and by adjusting the saving rate in consideration of the user's income and expenditure so as not to burden the user By allowing savings to become life on line, it is possible to increase household savings rate in consideration of the saving rate and factors according to the life cycle model, and to provide customers with the opportunity to re-use payment data as big data for marketing to customers. In addition, the present invention may provide a method for providing payment integrated savings service using electronic payment of intangible savings products based on big data. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, the step of receiving a payment request event requesting a payment from the payment terminal to at least one shopping mall server or at least one merchant terminal, received Calculating a savings ratio of a preset ratio of the payment principal included in the payment event, transmitting a response to the payment request event to the payment terminal so that the payment terminal combines the calculated savings and the integration principal; And when the payment terminal pays the consolidated money, delivers the payment principal to the at least one shopping mall server, and the integrated money includes depositing the account mapped to the identification code of the payment terminal.

According to any one of the problem solving means of the present invention described above, by automatically providing an interface at a predetermined rate of the payment amount to pay the savings also, by adjusting the saving rate in consideration of the user's income and expenses By allowing savings to become a daily life without burdening users, it is possible to increase household savings rate in consideration of the saving rate and factors according to the life cycle model, and to reuse the payment data as big data and market it to customers. It can provide an opportunity.

1 is a view for explaining a system for providing payment integrated savings service using electronic payment of intangible savings products based on big data according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a payment integration saving service providing server included in the system of FIG. 1.

3A to 3F are diagrams for describing an exemplary embodiment of a payment integration saving service using the big data-based intangible savings product electronic payment according to an embodiment of the present invention.

4 is a view for explaining an embodiment of a payment integrated savings service using the big data-based intangible savings product electronic payment according to another embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of transmitting and receiving data between components included in a payment integrated saving service providing system using the big data-based intangible savings product electronic payment of FIG. 1 according to an exemplary embodiment of the present invention.

FIG. 6 is a flowchart illustrating a method of providing a payment integrated saving service using an electronic payment of an intangible savings product based on big data according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components, unless specifically stated otherwise, one or more other features It is to be understood that the present disclosure does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, parts, or combinations thereof.

As used throughout the specification, the terms "about", "substantially", and the like, are used at, or in close proximity to, numerical values when manufacturing and material tolerances inherent in the meanings indicated are intended to aid the understanding of the invention. Accurate or absolute figures are used to assist in the prevention of unfair use by unscrupulous infringers. As used throughout the specification of the present invention, the term "step of" or "step of" does not mean "step for".

In the present specification, the term 'unit' includes a unit realized by hardware, a unit realized by software, and a unit realized by both. In addition, one unit may be realized using two or more pieces of hardware, or two or more units may be realized by one piece of hardware.

Some of the operations or functions described as being performed by the terminal, the apparatus, or the device may be performed instead in the server connected to the terminal, the apparatus, or the device. Similarly, some of the operations or functions described as being performed by the server may be performed by the terminal, apparatus or device connected to the server.

In the present specification, some of the operations or functions described as mapping or matching with a terminal mean that a unique number of a terminal or identification information of an individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a system for providing payment integrated savings service using electronic payment of intangible savings products based on big data according to an embodiment of the present invention. Referring to FIG. 1, a payment integrated saving service providing system 1 using big data-based intangible savings product electronic payment includes a payment terminal 100, a payment integrated saving service providing server 300, and at least one shopping mall server 400. ), And at least one affiliated store terminal 500. However, since the payment integrated saving service providing system 1 using the big data-based intangible savings product electronic payment of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

In this case, each component of FIG. 1 is generally connected through a network 200. For example, as shown in FIG. 1, the payment terminal 100 may be connected to the payment integrated saving service providing server 300 through the network 200. In addition, the payment integration saving service providing server 300 may be connected to the payment terminal 100, the at least one shopping mall server 400, and the at least one affiliated store terminal 500 through the network 200. In addition, the at least one shopping mall server 400 may be connected to the payment integration saving service providing server 300 through the network 200. The at least one affiliated store terminal 500 may be connected to the payment integration saving service providing server 300 through the network 200.

Here, the network refers to a connection structure capable of exchanging information between respective nodes such as a plurality of terminals and servers. Examples of such a network include RF, 3rd Generation Partnership Project (3GPP) network, and long term (LTE). Evolution network, 5th Generation Partnership Project (5GPP) network, World Interoperability for Microwave Access (WIMAX) network, Internet, Local Area Network (LAN), Wireless Local Area Network (WLAN), Wide Area Network (WAN) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network and the like, but is not limited thereto.

In the following description, the term “at least one” is defined as a singular and plural term, and each component may exist in the singular or plural, even though the term “at least one” does not exist, and may mean the singular or plural. It will be self explanatory. In addition, the singular or plural elements may be changed according to embodiments.

The payment terminal 100 may be a terminal that simultaneously saves payments using a web page, an app page, a program, or an application related to a payment integration saving service using the big data-based intangible savings product electronic payment. In addition, the payment terminal 100 may be a terminal that provides input data capable of analyzing big data by transmitting information of the paid product or service item to the payment integrated saving service providing server 300. In addition, the payment terminal 100 may be a terminal that sets the amount to be saved in proportion to the payment amount when the payment is made in an offline store or an online store using a credit card or an app pay. At this time, the payment includes blockchain technology-based payment, credit card, virtual currency, points, each checkout function, IoT (Internet of Thing) based payment, but is not limited to this, any payment means will be obvious. will be. In addition, the payment terminal 100 may be a terminal of a user who selects any one of an option of setting an automatic increase and decrease of a saving rate or manually setting a default in order to achieve a saving amount set by the payer. In addition, the payment terminal 100 may be a terminal that receives a report on the asset management result of the savings money from the payment integrated savings service providing server 300 and is settled after a predetermined period of interest distributed in proportion to the savings money. .

Here, the payment terminal 100 may be implemented as a computer that can access a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the payment terminal 100 may be implemented as a terminal that can access a server or terminal in a remote place through a network. The payment terminal 100 is, for example, a wireless communication device that ensures portability and mobility, and includes a navigation, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a personal PHS (PHS). Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminal, All types of handheld based wireless communication devices such as smartphones, smartpads, tablet PCs, and the like may be included.

The payment integration saving service providing server 300 may be a server providing a payment integration saving service web page, an app page, a program, or an application using the big data-based intangible savings product electronic payment. When the payment event occurs in the payment terminal 100, the payment integration saving service providing server 300 adds a savings ratio of a predetermined ratio to the payment amount by intercepting and hijacking the payment terminal 100 to make a payment in the payment terminal 100. It can be a server. In addition, the payment integration saving service providing server 300, the payment or settlement other than the savings savings at least one shopping mall server 400 or at least one merchant terminal 500, the savings account in the intangible savings products It may be a server managed separately. In addition, the payment integration saving service providing server 300 may be a server that provides the payment terminal 100 after distributing a profit that is a result of operating the saving product in proportion to the savings money. In addition, the payment integration saving service providing server 300 collects and analyzes the payment data of the payment terminal 100 as big data to allow the payment terminal 100 to receive a joint purchase or provide discount products based on location. May be a server.

Here, the payment integration saving service providing server 300 may be implemented as a computer that can be connected to a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like.

At least one shopping mall server 400, payment integrated savings service providing server for the payment of the payment terminal 100 using a web page, an app page, a program or an application related to the payment integrated savings service using the big data-based intangible savings products electronic payment It may be a server brokered from (300). In addition, the at least one shopping mall server 400 may be a server that transmits information about the type and quantity of the payment product or the service item paid by the payment terminal 100 to the payment integration saving service providing server 300.

Here, the at least one shopping mall server 400 may be implemented as a computer that can access a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like.

At least one merchant terminal 500, the payment integrated savings service providing server for the payment of the payment terminal 100 using a web page, an app page, a program or an application related to the payment integrated savings service using the big data-based intangible savings products electronic payment It may be a server brokered from (300). In addition, the at least one affiliated store terminal 500 may be a server that transmits information about the type and quantity of the payment product or the service item paid by the payment terminal 100 to the payment integration saving service providing server 300.

Here, the at least one affiliated store terminal 500 may be implemented as a computer that can access a server or terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the at least one affiliated store terminal 500 may be implemented as a terminal that can access a server or terminal in a remote place through a network. The at least one affiliated terminal 500 is, for example, a wireless communication device that ensures portability and mobility, and includes a point of sale (POS), a personal communication system (PCS), a global system for mobile communications (GSM), and a PDC ( Personal Digital Cellular (PHS), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), It may include all kinds of handheld-based wireless communication devices such as a Wibro (Wireless Broadband Internet) terminal, a smart phone, a smart pad, a tablet PC, and the like.

2 is a block diagram illustrating a payment integrated saving service providing server included in the system of FIG. 1, and FIGS. 3A to 3F are payments using big data-based intangible savings product electronic payment according to an embodiment of the present invention. 4 is a view illustrating an embodiment in which an integrated saving service is implemented, and FIG. 4 illustrates an embodiment in which a payment integration saving service using an intangible savings product electronic payment based on big data according to another embodiment of the present invention is implemented. It is for the drawing.

Referring to FIG. 2, the payment integration saving service providing server 300 may include a receiver 310, a calculator 320, a transmitter 330, a depositor 340, a payback unit 350, and a big data unit ( 360).

Payment integration saving service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with the payment terminal 100, at least one shopping mall server 400, and at least one affiliated store terminal In case of transmitting a payment integrated saving service application, a program, an app page, a web page, etc. using the big data-based intangible savings product electronic payment, the payment terminal 100, the at least one shopping mall server 400, and at least 500. One merchant terminal 500 may install or open a payment integrated savings service application, a program, an app page, a web page, or the like using the big data-based intangible savings product electronic payment. In addition, the service program may be driven in the payment terminal 100, the at least one shopping mall server 400, and the at least one affiliated store terminal 500 using a script executed in a web browser. Here, the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, the receiver 310 may receive a payment request event for requesting payment from the payment terminal 100 to at least one shopping mall server 400 or at least one affiliated store terminal 500. In this case, the receiving unit 310 may determine when the payment request event occurs when the payment terminal 100 monitors where and when the payment request occurs. To this end, the receiver 310 receives a payment request event through hijacking, and a payment request or an approval signal is transmitted to at least one shopping mall server 400 or at least one affiliated terminal 500 that is a side to attempt payment. It can be processed by the receiving unit 310 without going.

That is, in order to perform a payment according to the payment amount in the payment terminal 100, a savings amount must be calculated and stored separately each time a payment request is generated. However, when the user manually sets the savings amount, the payment is not annoying. It may not. Accordingly, in the case where the subscriber 310 saves according to the payment amount, the receiver 310 hijacks and redirects the payment request generated by the payment terminal 100 to save the money in the payment integration saving service providing server 300. Payment amount, including the other, the other payment amount may be implemented in a structure to be settled to at least one shopping mall server 400 or at least one affiliated store terminal (500). However, any structure can be used as long as the savings are settled every time the settlement is made, and the above-described hijacking is not limited.

To this end, the reception unit 310 can access each module list through the klist_iterator structure and obtain the module name. If the module name is checkout, payment, etc., the next module does not exist after storing the location of the node. You can check whether or not. If there is no module in progress, the receiving unit 310 inserts a payment hijacking module, and if the module exists, changes the position of the payment hijacking module by using a node replacement algorithm of a dual linked list. When all of the above process is completed, the payment hijacking module calls the payment application, and is ready to be paid through the receiving unit 310. However, as described above, if the structure to receive the payment with the payment in the payment integration saving service providing server 300 is not limited to the above will be apparent that it can be implemented in various embodiments.

The calculator 320 may calculate a savings ratio of a predetermined ratio with respect to the payment principal included in the received payment event. In this case, the calculation unit 320 may request to select or input any one of the preset ratio options from the payment terminal 100 when calculating the savings ratio of the preset ratio with respect to the payment principal included in the received payment event. If a ratio is selected or input from the payment terminal 100 in response to the request, the selected or input ratio may be mapped with the payment terminal 100 and stored.

That is, there may be a preset ratio on the system, and for example, options may be provided as 10%, 20% .... 100%, etc. The user selects one of them or directly inputs it. The option can be selected manually.

Alternatively, when the calculation unit 320 calculates a savings ratio of a predetermined ratio with respect to the payment principal included in the received payment event, monthly payments, taxes, payments, installments, installment interest, loan amount, Extract a log of at least one or at least one of the loan period and the loan interest rate, and calculate the amount that can be saved based on the difference between the expenditure and monthly income to be spent monthly and the preset saving rate for monthly income. Can be.

For example, A's monthly income is 1 million won, the loan amount is 1 million won, the loan interest is 12 percent, and the amount of various taxes or bills that must be repaid within a year, and fixed expenses such as telephone and various taxes Let's say 100,000 won. In this case, assume that the interest that is to be paid monthly in one year is 10,000 won per month, the fixed payment amount is 100,000 won, the loan repayment amount is 100 / 120,000 won, and the living expenses (food expenses + transportation expenses) are 200,000 won. At this time, the amount that A can spend or save is about 600,000 won, the first month, 100% of the amount spent A can spend 300,000 won, but 300,000 won should be saved. And the more you pay back, the less interest and loans will be, and after a year, you'll be able to save up to 210,000 won more. As a result, the savings ratio can be further increased or lowered. If A sets a certain amount of money to be collected this year, the savings rate can be increased until the money is collected, and the savings rate can be lowered. However, if the lower limit is set to save 30% of income, it may not be lowered any further below that. In this way, the saving rate can be changed automatically according to the amount set by the user or the portfolio changed according to income or expenditure.

Accordingly, the calculator 320 may reduce the preset ratio as the savings amount reaches a savings amount, and adjust the preset ratio by increasing the preset ratios as the savings money moves away from the saving amount.

The transmission unit 330 may transmit a response to the payment request event to the payment terminal 100 so that the payment terminal 100 pays the combined savings integrated with the calculated savings and payment principal.

If the payment unit 340, the payment terminal 100 to pay the consolidated money, and delivers the payment to the at least one shopping mall server, the integrated money is to be deposited in the account mapped with the identification code of the payment terminal 100. Can be. Here, the savings stored in the account may be paid to the payer of the payment terminal 100 after a predetermined period.

The payback unit 350, assuming that the payment terminal 100 has a plurality of payments, when the payment unit 340 pays the consolidated money at the payment terminal 100, the payback unit 350 transmits a payment principal to at least one shopping mall server. After the deposit is deposited in the account mapped to the identification code of the payment terminal 100, the funds may be managed for the amount of money accumulated in the plurality of accounts held by the plurality of payment terminals 100. At this time, the money can be directly managed by a person, it will be understood that only the result is tossed in the server. Here, the payback unit 350 may divide and divide the profit generated as a result of the fund management by the number of payment terminals 100 in proportion to the amount deposited in the payment terminal 100.

In other words, assume that A manages assets totaling 1.1 million won with savings of 1 million won and B 100,000. At this time, when the profit is 10%, A can take 10% of 10 million won of B 1 million won. Of course, it may be provided without a fee for asset management.

Big data unit 360, if there are a plurality of payment terminals 100, when the payment unit 340 to pay the consolidated money in the payment terminal 100, and transfers the payment principal to at least one shopping mall server, After the gold is deposited in the account mapped to the identification code of the payment terminal 100, a plurality of payment terminals (types and quantities of goods or service items requested for payment from the plurality of payment terminals 100 to the at least one shopping mall server) Big data can be collected by storing it as a history log of 100). The big data unit 360 then refines the unstructured data, structured data, and semi-structured data contained in the raw data of the collected and unprocessed big data, and meta-data. The preprocessing including the classification of the furnace may be performed, the analysis including the data mining of the preprocessed data may be performed, and the analyzed data may be visualized and output.

In addition, data mining explores the inherent relationships between preprocessed data and learns training datasets in which classes are known to classify data based on similarity without classification or class information to predict classes of new data. Clustering).

In this case, the purified and analyzed data may be queried and an answer may be provided. If an error occurs, deep learning such as an artificial neural network may be performed. For example, if A is selected as a preferred product for college students aged 20-23 (answer questions), and the preference for A does not meet the threshold, deep learning such as an artificial neural network is performed to eliminate the error. can do.

In this case, the artificial neural network may use a CNN (Convolutional neural network) structure, CNN is a network structure using a convolutional layer is suitable for image processing, to classify the image based on the features in the image by inputting the image data Because it can.

In addition, text mining is a technique aimed at extracting and processing useful information based on natural language processing techniques from non / half-form text data. Text mining techniques can extract meaningful information from large chunks of text, identify linkages with other information, find categories of text, or do more than just search for information. Using this, in the payment integration saving service according to an embodiment of the present invention, a large amount of language resources and statistical and regular algorithms may be used to analyze an identifier or natural language input as a query and to extract information hidden therein. .

In addition, Cluster Analysis can be used to finally combine groups with similar characteristics by combining objects with similar characteristics. For example, there may be a group of 20 college students and a group of 20 workers. Can be. It is possible to classify two groups with different consumption characteristics or needs through cluster analysis, and to grasp the characteristics of the cluster, and to classify the object in which a new query is generated when the preferred product for the 20's workers or college students is queried. have.

Through this, data analysis results can be used as marketing information, and can provide customers with joint purchases or discounts based on location of products or products, and unused benefits can be implemented to pay back to customers.

Accordingly, the big data unit 360 may visualize the output of the analyzed data and output the filtered data, and then filter the goods or service items having the possibility of purchasing in the payment terminal 100 using the analyzed data exceeding a preset reference value. have. In addition, the big data unit 360 may transmit the filtered goods or service goods to the payment terminal 100.

Hereinafter, an operation process according to the configuration of the payment integration saving service providing server of FIG. 2 will be described in detail with reference to FIGS. 3A to 4. However, the embodiment is only any one of various embodiments of the present invention, but is not limited thereto.

Referring to FIG. 3A, it is assumed that a payer intends to pay Starbucks coffee at a merchant. In this case, the payment terminal 100 outputs a payment request signal to the affiliated store terminal 500. If the payment integration saving service providing server 300 is set as a saving rate, 20% for 5,000 won, that is, 1,000 won This is further added to provide a screen to the payment terminal 100 to approve the payment amount of 6,000 won to be paid by the payment terminal 100.

In this case, when the payment terminal 100 has paid 6,000 won, the payment integrated saving service providing server 300 provides 5,000 won to the merchant terminal 500 so that the payment amount is paid, and the payment integrated saving service providing server ( 300) is to save 1,000 won in the account of the payer as a separate savings.

Then, as shown in FIG. 3b, the payment integration saving service providing server 300 collects the savings of at least one payment terminal 100 (1,... 100 (n)) to operate the assets. 3C, when revenue is generated after a predetermined period of time, for example, several months, the proceeds are distributed in proportion to the savings, so that at least one payment terminal 100 (1), ... 100 ( n)).

Meanwhile, referring to FIG. 3D, the payment integration saving service providing server 300 collects payment data from at least one payment terminal 100 (1,... 100 (n)) to construct big data. As shown in 3e, clustering and classification are performed by integrating big data, performing preprocessing, and analyzing the data to construct a database in which a response to a query can be derived. Of course, updates and machine learning can be made on new inputs, and of course it can be updated with feedback on errors.

Accordingly, the payment integrated saving service providing server 300 provides a discount coupon or a co-purchase page in accordance with customer characteristics with at least one payment terminal 100 (1) .... 100 (n). Marketing can be done.

Referring to Figure 4, currently operating customer compensation promotions (cash back, points earned, etc.) is largely different depending on the customer use, it is difficult to accumulate cash, according to an embodiment of the present invention, the customer is a general product / By purchasing an intangible savings product like a product and getting it back after a certain period of time (consent with the terms and conditions), it is hard to recognize in everyday life but it is easy to save by the customer's will. By switching to, savings can be routine. In addition, the operating company sells intangible products, allowing them to operate for a certain period of time (customer savings) and provide more benefits to their customers, differentiating them from bank deposits, and without any profit or loss risk than regular insurance products. Therefore, transparency in money management can be secured.

At this time, it is possible to build an ecosystem that can benefit both customers and sellers, and can use customer-based payment methods such as payment methods other than credit cards, for example, virtual currency, points, and pay apps of various companies. It can suggest the optimal saving ratio for each consumption type by linking product / product payment information (consumption pattern), analyze big data of customer consumption pattern using payment data, and automatically change the product / product joint purchase (applied discount) platform. You can build a, can provide a seller-linked location-based discount, unused benefits can be paid back to the customer. Seller / supplier collaboration and analytical data can be sold with customer agreement, and sales revenue from the agreement can be distributed. In addition, collaboration on product and product marketing may be achieved by activating intangible savings products.

As described above, the method for providing a payment integrated saving service using the big data-based intangible savings product electronic payment of FIG. 2 to FIG. 4 is described above. The description of the providing method may be easily inferred from the same or described contents, and thus descriptions thereof will be omitted.

FIG. 5 is a diagram illustrating a process of transmitting and receiving data between components included in a payment integrated saving service providing system using the big data-based intangible savings product electronic payment of FIG. 1 according to an exemplary embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 5, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 5 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.

Referring to FIG. 5, when the payment integration saving service providing server 300 generates a payment request from the payment terminal 100 to at least one shopping mall server 400 or at least one affiliated store terminal 500 (S5100). In operation S5200, a saving ratio of a preset ratio is calculated (S5200), and the savings money is added to the payment principal (S5300), and a payment and approval request is made to the payment terminal 100 (S5400).

In this case, when the payment integration saving service providing server 300 receives an approval request from the payment terminal 100, the payment integration saving service service server 300 makes a payment to at least one shopping mall server 400 or at least one affiliated store terminal 500 (S5600). The remaining savings will be managed by asset account (S5700).

In addition, when the predetermined period of time passes (S5800), the payment integrated saving service providing server 300 may allocate the generated profit in proportion to the savings (S5810).

Meanwhile, the payment integration saving service providing server 300 collects payment data logs (S5820), performs collection and preprocessing with big data (S5830), and analyzes and visualizes the data in order to grasp the needs of the customers. By generating a query (S5850) and outputting a customized response (S5860), checking whether there is an error by receiving feedback (S5870), and analyzing the feedback, if an error occurs, the artificial neural network deep learning is performed ( S5880), the error pattern is extracted (S5890), the big data is updated so that the data can be analyzed by correcting the error, and the big data in which the error is corrected by the feedback is updated and stored (S5900).

The order between the above-described steps S5100 to S5900 is merely an example and the present invention is not limited thereto. That is, the order between the above-described steps (S5100 to S5900) may be changed mutually, and some of the steps may be executed or deleted at the same time.

The matters that are not described in the method of providing a payment integrated saving service using the big data-based intangible savings product electronic payment of FIG. 5 are described above through FIGS. 1 to 4. The description of the providing method may be easily inferred from the same or described contents, and thus descriptions thereof will be omitted.

FIG. 6 is a flowchart illustrating a method of providing a payment integrated saving service using an electronic payment of an intangible savings product based on big data according to an embodiment of the present invention. Referring to FIG. 6, the payment integration saving service providing server receives a payment request event for requesting payment from at least one shopping mall server or at least one affiliated terminal to a payment terminal (S6100).

Then, the payment integration saving service providing server calculates a savings ratio of a predetermined ratio with respect to the payment principal included in the received payment event (S6200), and pays the integrated money integrating the calculated savings and payment principal at the payment terminal. The response to the payment request event is transmitted to the payment terminal (S6300).

In addition, the payment integration saving service providing server, when the payment terminal to pay the consolidated money, delivers the payment principal to at least one shopping mall server, the integrated money is deposited in the account mapped to the identification code of the payment terminal (S6400). .

The matters that are not described in the method of providing a payment integrated saving service using the big data-based intangible savings product electronic payment of FIG. 6 are described above with reference to FIGS. 1 to 5. The description of the providing method may be easily inferred from the same or described contents, and thus descriptions thereof will be omitted.

The method for providing payment integrated savings service using the big data-based intangible savings product electronic payment according to the embodiment described with reference to FIG. 6 includes a record including instructions executable by a computer such as an application or a program module executed by a computer. It may also be implemented in the form of a medium. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

In accordance with an embodiment of the present invention, a method for providing a payment integrated saving service using an electronic payment of an intangible savings product based on big data includes an application basically installed in a terminal (that is, a program included in a platform or an operating system basically loaded in the terminal) It may also be executed by the application (ie, a program) installed directly on the master terminal through an application providing server, such as an application store server, an application or a web server associated with the service. In this sense, the method for providing a payment integrated savings service using the big data-based intangible savings product electronic payment according to an embodiment of the present invention is implemented as an application (ie, a program) that is basically installed in a terminal or directly installed by a user. And a computer readable recording medium such as a terminal.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Claims

In the billing integration saving service providing server, the billing integration saving service providing method,

Receiving a payment request event requesting payment from at least one shopping mall server or at least one affiliated terminal;

Calculating a savings ratio of a predetermined ratio with respect to the payment principal included in the received payment event;

Transmitting a response to the payment request event to the payment terminal so that the payment terminal pays the integrated money integrating the calculated savings and payment principal; And

When the payment terminal pays the consolidated money, transferring the payment principal to the at least one shopping mall server, and depositing the integrated money in an account mapped to the identification code of the payment terminal;

Including, big data-based intangible savings products payment integrated savings service providing method using electronic payment.
The method of claim 1,

Calculating a savings ratio of a predetermined ratio with respect to the payment principal included in the received payment event,

Requesting to select or input one of preset rate options from the payment terminal;

If a ratio is selected or input from the payment terminal in response to the request, mapping and storing the selected or input ratio with the payment terminal;

To include, Big data-based intangible savings products payment integrated savings service providing method using electronic payment.
The method of claim 1,

Calculating a savings ratio of a predetermined ratio with respect to the payment principal included in the received payment event,

Extracting a log of at least one or at least one of monthly income, taxes, payments, installments, installment interest, loan amount, loan period, and loan interest rate from the payment terminal;

Calculating an amount of savings based on a difference between payments and monthly incomes to be paid monthly and a predetermined saving rate for monthly income;

Adjusting the preset ratio by decreasing the preset ratio as the savings amount reaches the amount that can be saved, and increasing the preset ratio as the savings amount moves away from the saveable amount;

To include, Big data-based intangible savings products payment integrated savings service providing method using electronic payment.
The method of claim 1,

The savings stored in the account is to be paid to the payer of the payment terminal after a predetermined period, big data-based intangible savings products providing method of payment saving integrated service using electronic payment.
The method of claim 1,

The payment terminal is a plurality,

When the payment terminal pays the consolidated money, after the payment of the payment to the at least one shopping mall server, the integrated money is deposited in the account mapped to the identification code of the payment terminal,

Executing fund management on the amount of money accumulated in a plurality of accounts held by the plurality of payment terminals;

Dividing a profit generated as a result of the fund operation by the number of payment terminals and dividing the profit generated in proportion to an amount deposited in the payment terminal;

It further comprises, big data-based intangible savings products payment integrated savings service providing method using electronic payment.
The method of claim 1,

The payment terminal is a plurality,

When the payment terminal pays the consolidated money, after the payment of the payment to the at least one shopping mall server, the integrated money is deposited in the account mapped to the identification code of the payment terminal,

Collecting the big data by storing the types and quantities of goods or service items that have requested payment from the plurality of payment terminals to the at least one shopping mall server in a history log of the plurality of payment terminals;

Purifying unstructured data, structured data, and semi-structured data included in the raw data of the collected and processed big data, and performing preprocessing including classification into metadata;

Analyzing the preprocessed data including data mining;

Visualizing and outputting the analyzed data;

It further comprises, big data-based intangible savings products payment integrated savings service providing method using electronic payment.
The method of claim 6,

The data mining classifies data based on similarity without classification or class information by searching for an intrinsic relationship between the preprocessed data and learning a training data set in which a class is known to predict a new class of data. Method of providing a payment integrated savings service using a big data-based intangible savings products electronic payment, including performing clustering).
The method of claim 6,

After visualizing and outputting the analyzed data,

Filtering goods or service items having a possibility of making a purchase at the payment terminal using the analyzed data exceeding a preset reference value;

Transmitting the filtered goods or service goods to the payment terminal;

It further comprises, big data-based intangible savings products payment integrated savings service providing method using electronic payment.
An application stored on a medium for carrying out the method of claim 1.