WO2021167416A1

WO2021167416A1 - Method and system for managing service based on regular payment, and computer-readable recording medium

Info

Publication number: WO2021167416A1
Application number: PCT/KR2021/002153
Authority: WO
Inventors: 김준태
Original assignee: 주식회사 왓섭
Priority date: 2020-02-21
Filing date: 2021-02-19
Publication date: 2021-08-26

Abstract

The present invention provides a method and a system for managing a service based on regular payment, and a computer-readable recording medium. According to an embodiment of the present invention, a method for managing a service based on regular payment on a communication network comprises: a collection step of linking to each payment server according to a payment means selected by a user terminal and retrieving one or multiple details of payment therefrom; an extraction step of determining, from the collected details of payment, one or multiple details of regular payment for a service regularly subscribed to by the user terminal; a step of generating a user interface including one or more of listing, visualization, graphing, and notification functions on the basis of the details of regular payment; and a subscription service step of providing the user terminal with one or more of payment management, subscription management, recommendation management, and expense management of the details of regular payment through the generated user interface.

Description

Method, system and computer readable recording medium for managing service based on periodic payment

The present invention relates to a method, a system, and a computer-readable recording medium for managing a service based on a periodic payment. More specifically, it relates to a technology that can provide a more convenient and efficient subscription, change and cancellation service for regular payment by being able to integratedly manage one or more payment details paid by a user and corresponding service information. .

In general, services in which a fee (use fee) is charged as a regular payment method are from the city gas fee, apartment management fee, communication fee, education fee, rental fee, and newspaper (magazine) subscription fee, which have been used for a long time, and online business, which has recently been in rapid demand. There are a wide variety of models and consumption-type subscription services.

In particular, the subscription service, which is expected to grow at an average annual rate of 17.6% and form a market of about 600 trillion won this year alone, includes multimedia contents such as Netflix, YouTube Premium, and Melon, software and applications such as Office 365 and AWS, and flowers and salads. As regular delivery services such as , socks, laundry, automobiles, and kimchi are diversified and supplied, the demand for consumers to subscribe to them is rapidly increasing.

According to a survey by the Korea Creative Content Agency, each Korean citizen spends an average of about 50,000 won on subscription services, and Deloitte Global announced that 50% of American adults subscribe to 5 or more subscription services, and the top 20% to 10 or more subscription services. did. In other words, just a few years ago, Forbes reported that the 'subscription economy is creating a new economic life by dismantling the centuries-old concept of ownership' became a reality.

However, due to the explosive growth of subscription services, there are various inconveniences and various problems with the service that pays for the regular payment method, which has not been well recognized. According to the Korea Communications Commission, there were a total of 850,000 regular payment-related complaints in 2018, a 43% increase from the previous year, becoming a social problem. There may be various causes, but among them, diversification of payment methods and difficulties in cancellation are pointed out as the main causes.

First, modern people consume through various payment methods, including bank transfer, check card, credit card, mobile phone micropayment, and simple payment such as Naver Pay. However, due to the diversification of payment methods, it is difficult to determine the entire periodic payment history until all payment details are individually checked. Moreover, this is a similar situation worldwide, and according to Waterstone Consulting in the US, 84% of regular payment users do not even know their payment date.

In addition, while the procedure for using the payment service becomes easy and convenient, if you want to cancel it, it is quite complicated and has various restrictions, unlike the payment procedure. They are using 'dark nudge' such as Due to these problems, 400,000 of the top regular payment complaints are also complaints about cancellation. In other words, although subscription services have recently been attracting attention from consumers, and related consumption is becoming more active, the expenditures of subscription service users are not being managed effectively. The most typical examples are when a user does not know what he or she is subscribing to, when he or she is constantly paying for services he or she does not want, when he wants to make a consumption decision for extending or canceling subscriptions for the services he is subscribed to In many cases, it is not possible to determine precisely because

Of course, even now, there is an expense management service that manages the user's expenses, but the service simply shows the user's payment station in the latest order first, and displays the past payment history in the order of time and date at the bottom. It is difficult for the user to intuitively check which of the numerous payment details is a regular payment.

In particular, due to the nature of regular payment, it is almost impossible to find out which consumption is a regular payment unless the user collects and checks each payment method for several months' worth of expenses. At this time, due to the problem that the payment amount of the subscription service, which is paid monthly by the regular payment method, may vary from month to month (e.g., communication fee, management fee, etc.), and when weekends or holidays are included, the regular payment date is changed, There is a limit that is difficult to distinguish from other services that are simply consumed as a one-time expenditure.

Accordingly, there is an increasing demand for an integrated management system that can accurately determine payment details regularly spent through various payment methods and provide them to users.

Accordingly, the present invention is to solve the problems of the prior art as described above, by collecting payment details regularly paid by users' various payment methods in real time, and extracting the collected payment details with an intelligent algorithm to integrate The purpose of this is to provide a regular payment management service.

Another object of the present invention is to provide a subscription service including expenditure management, payment management, subscription management, re-subscription management, and similar service management in order to provide an efficient periodic payment management service to users.

Another object of the present invention is to provide a change service that allows a user to take a break from regular payment or change a regular payment method (for example, changing a credit card company) for a period desired by the user.

Another object of the present invention is to provide a cancellation service that displays various cancellation routes for each service or cancellation navigation on a screen so that a user can easily and conveniently cancel a regular payment.

In addition, another object of the present invention is to allow the user to analyze the user's spending pattern based on the regular payment details and the total expenditure details (including the deposit details) and provide comparative information with similar groups.

The above object of the present invention is a method for managing a service based on periodic payment on a communication network, a collection step of interlocking one or more payment details from each payment server according to a payment method selected by a user terminal ; an extraction step of determining one or more periodic payment details to which the user terminal regularly subscribes from among the collected payment details; generating a user interface including any one or more of a list, visualization, graphing, and notification function based on the periodic payment details; and a subscription service step of providing any one or more of payment management, subscription management, recommendation management, and expenditure management of the periodic payment details to the user terminal through the generated user interface. do.

In addition, the above object of the present invention is a system for managing a service based on a periodic payment on a communication network, and brings one or more payment details from each payment server according to the payment method selected by the user terminal by interlocking it. payment history collection unit; a periodic payment extraction unit for determining and extracting one or more periodic payment details to which the user terminal regularly subscribes from among the collected payment details; an integrated management unit for generating and providing a user interface including any one or more of a list, visualization, graphing, and notification function based on the extracted periodic payment details; a periodic payment subscription unit for providing any one or more of payment management, subscription management, recommendation management, and expenditure management of the periodic payment details to the user terminal through the generated user interface; a periodic payment change unit for providing one or more of a periodic payment break for the periodic payment and a change of payment method to the user terminal through the user interface in response to a request from the user terminal; And in response to the request of the user terminal, it is also achieved by the system characterized in that it comprises a periodic payment cancellation unit that provides at least one of a cancellation route for the periodic payment and a cancellation navigation to the user terminal through the user interface. .

In addition to this, another method, system for implementing the present invention, and a computer readable recording medium for recording a computer program for executing the method are achieved.

According to the present invention, payment details regularly paid by the user's various payment methods are collected in real time by applying serverless technology, thereby eliminating the need for a separate, repetitive interworking procedure.

In addition, according to the present invention, the collected payment details are extracted with an intelligent algorithm through a logical operation of a continuous set rather than 'True' and 'False' logical control, thereby providing a more stable and reliable integrated regular payment management service. can be implemented

In addition, according to the present invention, there is an effect of providing a subscription service including specialized payment management, subscription management, recommendation management, and expenditure management to the user to provide an efficient periodic payment management service to the user.

In addition, according to the present invention, by providing a change service that allows the user to take a break for regular payment or change a regular payment method (for example, changing a credit card company) during a desired period, it is possible to improve the convenience of the user and prevent unnecessary expenses. can have an effect.

In addition, according to the present invention, a cancellation service that displays cancellation navigation on various cancellation routes for each service or a user terminal screen is provided so that a user can easily and conveniently cancel a regular payment, resulting in time and cost associated with a complicated cancellation procedure. It is possible to prevent the waste of money and expect other regular new consumption (regular payment) suitable for the user.

In addition, according to the present invention, based on the user's regular payment details and total expenditure details (including deposit details), the user's spending pattern is analyzed and comparative information with similar groups (age, gender, income, etc.) is provided. , systematic consumption and economic management effects can be expected for the user concerned.

1 is a diagram showing the configuration of an entire system for managing a service based on a periodic payment according to an embodiment of the present invention.

2 is a diagram illustrating in detail the internal configuration of the periodic payment service management system 200 of FIG. 1 according to an embodiment of the present invention.

3 is a block diagram schematically showing the configuration of a serverless technology for collecting a user's payment details according to an embodiment of the present invention.

4 is a graph for explaining an algorithm for extracting periodic payment details in the periodic payment service management system according to an embodiment of the present invention.

5 is a flowchart illustrating an overall flow of a method for managing a periodic payment service according to an embodiment of the present invention.

6 is a flowchart illustrating in detail a process of providing a subscription service among periodic payment services according to an embodiment of the present invention.

7 is a flowchart illustrating in detail a process of providing a cancellation service among regular payment services according to an embodiment of the present invention.

9 to 12 are flowcharts illustrating an example of a method for managing a subscription service according to an embodiment of the present invention.

13 is a user interface screen showing an example of providing a periodic payment subscription service according to an embodiment of the present invention.

14 is a user interface screen showing another example of a subscription service for regular payment according to an embodiment of the present invention.

15 is a user interface screen showing an example of subscription management among the periodic payment subscription service according to an embodiment of the present invention.

16 is a user interface screen showing an example including a notification function among the periodic payment subscription service according to an embodiment of the present invention.

17 is a user interface screen showing an example including recommendation management among the subscription service for periodic payment according to an embodiment of the present invention.

18 is a diagram illustrating another example including recommendation management among the subscription service for regular payment according to an embodiment of the present invention.

19 and 20 are interface screens illustrating an example of providing payment management record information among the periodic payment subscription service according to an embodiment of the present invention.

21 is a user interface screen showing an example of providing a record scroll of payment management in a subscription service for periodic payment according to an embodiment of the present invention.

22 and 23 are user interface screens illustrating an example of a record calendar for payment management in a periodic payment subscription service according to an embodiment of the present invention.

24 is a user interface screen showing an example of providing a cancellation path among the regular payment cancellation service according to an embodiment of the present invention.

25 is a user interface screen illustrating an example of a method for canceling an App Store of a cancellation path among regular payment cancellation services according to an embodiment of the present invention.

26 is a user interface screen showing an example of a method of canceling a call in a cancellation path among a regular payment cancellation service according to an embodiment of the present invention.

27 is a user interface screen showing an example of a cancellation method through the web of a cancellation path among regular payment cancellation services according to an embodiment of the present invention.

28 is a user interface screen showing an example of a cancellation method through an app of a cancellation path among regular payment cancellation services according to an embodiment of the present invention.

29 is a user interface screen showing an example of providing cancellation navigation among the regular payment cancellation service according to an embodiment of the present invention.

30 is a user interface screen showing an example of providing a periodic payment break among the periodic payment change service according to an embodiment of the present invention.

31 and 32 are user interface screens illustrating an example of providing a payment method change in the periodic payment change service according to an embodiment of the present invention.

33 is a user interface screen showing an example of providing a product search during subscription management of a regular payment subscription service according to an embodiment of the present invention.

34 is a user interface screen illustrating an example of providing periodic payment details for each similar category during payment management of a periodic payment subscription service according to an embodiment of the present invention.

35 is a user interface screen illustrating an example of analyzing and providing monthly payment subscription service expenditure management according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0023] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. In the present invention, combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. Each such block or each step may represent a module, segment, or portion of code comprising one or more executable instructions for executing the specified logical function(s). It should also be noted that it is also possible for the functions recited in blocks or steps to occur out of order in some alternative embodiments. For example, it is possible that two blocks or steps that are adjacent or shown in order may in fact be performed substantially simultaneously, or that the blocks or steps may sometimes be performed in reverse order according to the corresponding function.

It should also be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description set forth below is not intended to be taken in a limiting sense, and the scope of the invention, if properly described, is limited only by the appended claims, along with all scope equivalents to those claimed. In the drawings, like reference numerals refer to the same or similar functions in various aspects, and the form may be exaggerated for convenience.

On the other hand, the terms used in the present invention are terms used to properly express preferred embodiments of the present invention, which may vary depending on the intention of the user or customs in the field to which the present invention belongs. Accordingly, definitions of these terms should be understood based on the content throughout this specification. Hereinafter, in order to enable those of ordinary skill in the art to easily practice the present invention, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

[Embodiment of the present invention]

In the present invention, "regular payment service" means a subscription service that is performed in the process of regularly paying a certain amount or amount of use for a certain period and receiving (delivery) products (including services) from the seller (supplier) It should be understood as a concept encompassing , change service, and cancellation service.

Whole system configuration

Referring to FIG. 1 , the entire system according to an embodiment of the present invention includes a communication network 100 , a periodic payment service management system 200 , a user terminal 300 , a payment server 400 , and a seller server 500 . may be included.

First, the communication network 100 according to an embodiment of the present invention is a network network capable of performing a series of data transmission/reception operations for data transmission and information exchange, regardless of its communication mode such as wired and/or wireless can be configured.

For example, local area network (LAN), metropolitan area network (MAN), wide area network (WAN), integrated services digital network (ISDN), wireless LAN LAN) or a mobile communication network (mobile telecommunication), etc., or may be various types of wired/wireless communication networks connected and configured by a combination thereof.

Preferably, the communication network 100 configured by the present invention may be an Internet network capable of using a World Wide Web (WWW) service. Through this communication network 100, devices such as one or a plurality of user terminals 100, which will be described later, the subscription service management system 200, and one or more seller servers 300 transmit and receive data between each other. can

Next, the periodic payment service management system 200 according to an embodiment of the present invention collects payment details for each user requested from one or more user terminals 300 , and periodically spends among the collected payment details. By extracting this regular payment, any one or more of subscription service (payment management, subscription management, recommendation management, expense management), change service (regular payment break, payment method change) and cancellation service (cancellation route, cancellation navigation) It may be a system that can provide it.

More specifically, the periodic payment service management system 200 collects payment details regularly paid by the user's various payment methods in real time, and extracts the collected payment details with an intelligent algorithm to provide an integrated periodic payment management service can provide

In addition, the periodic payment service management system 200 may provide a subscription service including any one or more of payment management, subscription management, recommendation management, and expenditure management in order to provide an efficient periodic payment management service to the user.

In addition, the periodic payment service management system 200 may provide a change service that allows the user to take a break for periodic payment during a desired period or to change a periodic payment method (eg, change of a credit card company).

In addition, the periodic payment service management system 200 may provide a cancellation service that displays various cancellation routes for each service or cancellation navigation on the screen of the user terminal so that the user can easily and conveniently cancel the regular payment, The periodic payment service management system 200 according to an embodiment of the present invention may be understood in more detail by the following detailed description with reference to FIG. 2 .

Next, in the user terminal 300 according to an embodiment of the present invention, the user accesses the periodic payment service management system 200 , and periodically receives the user's financial payment details from one or more payment servers 400 . Digital devices (first, second, and n-th user terminals; n may be a natural number).

More specifically, such a user terminal 300 may access the periodic payment service management system 200, sign up as a member, log in, and receive periodic payment service management for the user.

In addition, the user terminal 300 provides subscription services (payment management, subscription management, recommendation management, expenditure management), change service (regular payment break, payment method change) and cancellation service ( cancellation route, cancellation navigation) may be provided.

This user terminal 300 receives any one or more of the above-described subscription service, change service, and cancellation service from the periodic payment service management system 200, and a dedicated web that can input and transmit related information and / Or it may further include an app (App) program.

In this way, the user terminal 300 according to an embodiment of the present invention is a mobile communication terminal device, an information communication device, a multimedia terminal device, a wired terminal device, a wireless terminal device, and various known digital devices such as an IP (Internet Protocol) terminal device. The device may be employed without limitation. Specifically, the customer terminal device 300 includes a smart phone, a portable terminal, a mobile terminal, a foldable terminal, a personal digital assistant (PDA), PMP (Portable Multimedia Player) Terminal, Telematics Terminal, Personal Computer, Laptop Computer, Tablet PC, IPTV (Internet Protocol Television) Terminal, Smart TV, Digital Broadcast Terminal, Digital Signage Device It is a digital device equipped with a memory means, such as a microprocessor, and equipped with an arithmetic capability. It may be adopted as a terminal device according to the invention.

In addition, the user terminal 300 may include a display means capable of displaying any one or more of the subscription service, the change service, and the cancellation service according to the present invention. Here, the display means is LCD (Liquid Crystal Display), TFT-LCD (Thin Film Transistor LCD), OLED (Organic Light Emitting Diodes), light emitting diode (LED), AMOLED (Active Matrix Organic LED), flexible display (Flexible display) and a three-dimensional display (3 Dimension). In this case, the display means may be configured to include a touch screen form, and thus some or all of the functions of the input means may be performed.

Next, the payment server 300 according to an embodiment of the present invention is an operating server of a payment method [eg, credit card, bank account, simple payment (smart pay)] selected by the user terminal 300 (first, second, nth payment server, n is a natural number) or a concept including a separate payment proxy server interworking with the operation server.

More specifically, the payment server 300 is an operating server of a payment method that has entered into a payment-related alliance with the periodic payment service management system 200 , and in this case, the payment server 300 is a payment agency service provider such as PG (Payment Gateway). It can be a concept including a server of

For example, when a user pays with a credit card in an internet shopping mall, etc., the payment and settlement procedure is performed through the credit card PG, and the credit card PG company then relays transaction and approval information between the shopping mall and the VAN operator. You can do the settlement on your behalf.

Finally, the seller server 500 according to an embodiment of the present invention may be an operating server (first, second, n-th seller server, n is a natural number) of a supplier that regularly provides goods and services to users. have.

More specifically, the seller server 500 is a server of affiliates that have entered into a product-related alliance with the periodic payment service management system 200 , and may provide various services for each industry field. For example, various types of multimedia services, such as Netflix, Watcha, and Melon, or services that are regularly paid in daily life, such as apartment maintenance fees or water purification services, may be included.

In addition, the seller server 500 provides related information according to the periodical payment service related information (eg, order payment information) input from the user terminal 300, performs subscription processing, and provides to browse the processing results. can

Configuration of the periodic payment service management system 200

In the following detailed description, the internal configuration of the periodic payment service management system 200 that performs an important function for the implementation of the present invention and the function of each component will be described.

Referring to FIG. 2 , the periodic payment service management system 200 of the present invention includes a payment history collection unit 210 , a periodic payment extraction unit 220 , an integrated management unit 230 , a periodic payment subscription unit 240 , and a regular It may be configured to include a payment change unit 250 , a regular payment cancel unit 260 , a communication unit 270 , a database 280 , and a control unit 290 .

According to this embodiment of the present invention, payment history collection unit 210, periodic payment extraction unit 220, integrated management unit 230, periodic payment subscription unit 240, periodic payment change unit 250, periodic payment The release unit 260, the communication unit 270, the database 280, and the control unit 290 may be program modules, at least some of which transmit and receive data with the plurality of user terminals 300 and/or the seller server 500. have. These program modules may be included in the periodic payment service management system 200 in the form of an operating system, an application program module, and other program modules, and may be physically stored in various known storage devices, hardware components and/or software components and combinations thereof. In addition, these program modules may be stored in a remote storage device capable of communicating with the subscription service management system 200 . Meanwhile, these program modules include routines, subroutines, programs, objects, components, data structures, etc. that perform specific tasks to be described later or execute specific abstract data types according to the present invention, but the present invention is not limited thereto. .

First, the payment history collection unit 210 according to an embodiment of the present invention collects one or more payment details by interworking from each payment server 400 according to the payment method selected by the user terminal 300 . can do.

The payment history collecting unit 210 according to the present invention collects regularly paid payment details in real time, and in order to avoid the need for a separate and repetitive interworking procedure, a dynamic resource distribution method located outside using a code of serverless technology can be applied, and a more detailed configuration will be understood by the following detailed description with reference to FIG. 3 .

Next, the periodic payment extraction unit 220 according to an embodiment of the present invention may determine and extract one or more periodic payment details to which the user terminal 300 is regularly subscribed from among the collected payment details.

The periodic payment extraction unit 220 according to the present invention extracts the collected payment details with an intelligent algorithm through a logical operation of a continuous set rather than logical control of 'True' and 'False', which is more stable and improved in reliability. It is possible to implement a periodic payment management service in an integrated manner, and this periodic payment extraction algorithm may be specifically understood by the following detailed description with reference to FIG. 4 .

Next, the integrated management unit 230 according to an embodiment of the present invention creates a user interface including any one or more of a list, visualization, graphing, and notification function, based on the extracted periodic payment details, and , to perform a function of providing information of the periodic payment subscription unit 240 , the periodic payment change unit 250 , and the periodic payment cancellation unit 260 to the user terminal 300 , which will be described later, through the generated user interface. can

More specifically, the cataloging function includes the periodic payment details and payment date information for each service, as well as daily detailed expenditure details and monthly total expenditure details, payment cycle information, and accumulated amount information of the user. and information related thereto.

In addition, the visualization function and the graphing function can be provided visually by graphing the periodic payment history information as described above or by implementing it in various UIs. For example, the visualized graph includes monthly and daily expenditure details. Expenses for this may be displayed as an accumulated amount, and may be checked against the monthly expenditure. In addition, users may cancel unwanted services, and may continue to subscribe to expired services by applying for extension. A service for determining the consumption of the periodic payment service that the user is paying for on a regular basis may be provided. For example, in particular, by providing payment and expenditure history information through a user interface through a graph visualized so that the user can recognize the expenditure history information for each service at a glance, the user can easily recognize the information. .

In addition, the notification information may notify the user terminal 300 of an event generated for each periodic payment service for each user as a notification (eg, push notification). For example, the event push notification may include a payment date notification for a corresponding service, an extended subscription notification for a service scheduled to expire, a cancellation possible date notification, and similar service information. Here, the user may cancel or continue to subscribe to a specific service, or may subscribe to a similar service.

Next, the periodic payment subscription unit 240 according to an embodiment of the present invention allows a user to use any one or more of payment management, subscription management, recommendation management, and expenditure management of the periodic payment details through the generated user interface. It may be provided to the terminal 300 .

More specifically, in the subscription service, the payment management first performs a process of providing at least one or more of the periodic payment details to the user terminal 300 through the user interface so that the monthly or daily expenditure details are displayed. can

In addition, the process of providing at least one or more periodic payments to the user terminal 300 through the user interface before the payment date may be performed.

In addition, a process of grouping at least one or more of the periodic payment details by similar categories and providing them to the user terminal 300 through the user interface may be performed.

Next, the subscription management classifies the periodic payment details inquired by the user terminal 300 from the service whose payment date has passed and the service whose payment date has not passed based on the inquiry date, and the user terminal 300 through the user interface ) can be used to perform the provided process.

In addition, a process of providing re-subscription information to the user terminal 300 through the user interface based on the periodic payment details already canceled by the user terminal 300 may be performed.

Next, the recommendation management may perform a process of recommending a similar periodic payment product to the user terminal 300 through the user interface based on the previously canceled periodic payment.

In addition, a process of recommending a similar product to the corresponding user to the user terminal through the user interface may be performed based on the payment pattern of the user terminal.

In addition, a process of recommending, through the user interface, a product for which another user terminal similar to this is regular payment, to the user terminal 300 may be performed based on the amount of money spent and the payment pattern of the user terminal for a certain period of time.

Next, the expenditure management is, based on the payment details and the regular payment details, any one or more of monthly expenditure management, previous year's monthly expenditure management, seasonal expenditure management, and environment-dependent expenditure management through the user interface. A process of providing to the terminal 300 may be performed.

In addition, the user of the corresponding user terminal may be compared with the user according to age, gender, and consumption and provided to the user terminal 300 through the user interface may be performed.

Next, the periodic payment change unit 250 according to an embodiment of the present invention may include any one or more of a periodic payment break for the periodic payment and a payment method change (eg, a credit card company change) requested by the user. may be provided to the user terminal 300 through the user interface.

More specifically, the change service may perform a process of requesting a break for a certain period among at least one or more regular payment services to which the user regularly subscribes to the regular payment break. For example, it is possible to take a break (rest) from the periodic payment for one period (one month) or multiple periods for the periodic payment.

The change of the payment method may include a process of switching the payment method of at least one or more periodic payment services subscribed to by the user to another payment method. A detailed description of such a change service may be embodied in the method description with reference to the drawings below.

Next, the subscription cancellation unit 260 according to an embodiment of the present invention may provide a cancellation route or cancellation navigation for a specific service requested by the user terminal to the user terminal 300 through the user interface. have.

More specifically, in the cancellation service, first, the cancellation path provides at least one cancellation path for the service for which cancellation is requested, among at least one or more periodic payment services to which the user terminal 300 is regularly subscribed. process can be performed.

In this case, the at least one cancellation method for the service for which cancellation is requested may include any one of a method of canceling in an app store, a method of canceling by call, a method of canceling in an app, and a method of canceling in the web. .

In addition, in the cancellation navigation, a process of providing cancellation navigation to a certain area on the screen of the user terminal for a service for which cancellation is requested among at least one or more periodic payment services subscribed to on a regular basis by the user terminal 300 is performed. can

In the method of providing the cancellation path described above, when a cancellation request is made for a service that the user does not want, a cancellation process may be performed for the service for which the cancellation is requested. In this case, in the cancellation process, the cancellation service may be provided in an API-linked manner to the companies with which the service is affiliated, otherwise, the cancellation route may be provided by itself. In addition, since the method of providing the cancellation navigation is a method of displaying the cancellation navigation on the cancellation-related screen of the user terminal 300 and guiding the cancellation in each process step, the waste of time and money due to the complicated cancellation procedure is prevented. and other regular new consumption (regular payment) suitable for the user can be expected.

Next, the communication unit 270 according to an embodiment of the present invention includes each component in the periodic payment service management system 200 and the user terminal 300 , the payment server 400 and/or the seller server 500 . It can communicate with an external device, such as, transmit/receive information necessary for managing a periodic payment service, or perform a function of transmitting a control signal.

Next, the database 280 according to an embodiment of the present invention may be a storage device capable of storing user information for each of the users who have signed up as a member. The user information may be a storage device capable of storing information such as each user's name, resident number, age, gender, expenditure history, and contact information.

On the other hand, although the database 280 in FIG. 2 is illustrated as being included in the periodic payment service management system 200, according to the needs of those skilled in the art to implement the present invention, the database 280 is a periodic payment service management system It may be configured separately from (200). The database 280 is a concept including a computer-readable recording medium, and refers not only to a narrow database, but also a database in a broad sense including a data record based on a file system, and even a simple set of logs. If data can be extracted by searching, it may be included in the database 280 referred to in the present invention.

Finally, the control unit 290 according to an embodiment of the present invention performs a series of overall control related to the periodic payment service management system 200 by transmitting and receiving control signals to and from each component of the periodic payment service management system 200 . can do.

More specifically, the control unit 290 includes the payment history collection unit 210 , the periodic payment extraction unit 220 , the integrated management unit 230 , the periodic payment subscription unit 240 , the periodic payment change unit 250 , and the periodic payment cancellation It may perform a function of controlling the flow of data between the unit 260 , the communication unit 270 , and the database 280 . That is, the control unit 290 according to the present invention controls the flow of data from the outside or between each component of the periodic payment service management system 200, so that the payment history collection unit 210 and the periodic payment extraction unit 220 ), the integrated management unit 230, the periodic payment subscription unit 240, the periodic payment change unit 250, the periodic payment cancellation unit 260, the communication unit 270 and the database 280 to control to perform their own functions, respectively. can

In order to help the understanding of a more specific configuration of the periodic payment service management system 200 according to the present invention described above, in the following detailed description, a process (method) for collecting payment details and providing periodic payment extraction and a periodic payment service An example is given and demonstrated about a management method.

Payment history collection and periodic payment extraction process

Serverless backend by adopting serverless technologies such as 'AWS Lambda' and 'DynamoDB' to solve technical limitations such as load, bottleneck, and failure that may occur in the conventional load balancing architecture By implementing the architecture, it can theoretically handle more than 10 trillion requests per day with no limit to traffic scaling, and can support more than 20 million peak requests per second. Therefore, when scraping the user's financial payment details (deposit and withdrawal details), even if the traffic increases rapidly, the service can be provided smoothly without additional server expansion.

With such serverless computing, Amazon Web Services (AWS) handles infrastructure management tasks, such as capacity provisioning and patching, so you can focus on writing your code. Because of this structural stability, the periodic payment service system 200 can update the payment details in real time even when the user does not use the app, and the user can receive a payment notification without updating the payment history in the app .

Referring to Figure 3, the configuration of the serverless technology for collecting the user's payment history of the present invention may be configured to include API Gateway, Lambda, DynamoDB, Cloud Watch, and S3.

More specifically, API Gateway can receive a user's request, deliver it to business logic, and return a result value, while Lambda executes business logic to process data or generate an event. can do.

Next, DynamoDB can perform a function to store the data processed through the Lambda and use it later, and Cloud Watch performs a function of calling the Lambda according to the schedule to send an alarm at 12:00 every day. can In addition, S3 can perform a storage function for storing relatively large-capacity media and binary files.

These resources are all serverless, so there is no need to provision, patch, or manage a server, and there is no need to install or manage software.

Among each block of such a serverless backend architecture, 'AWS Lambda', which performs an important function, can execute code in response to an event and automatically manage basic computing resources. In addition, 'DynamoDB' can perform the function of a NoSQL database that supports key values and document data models.

Meanwhile, an example of an operation will be presented as follows to help understanding.

First, assuming that the user logs in at Whatsup and changes his/her profile image, he/she receives his/her cell phone number from the mobile application and inputs the login button in order to log in. After that, the mobile application calls API Gateway to invoke Lambda's Login function.

Next, Lambda queries DynamoDB to see if the user's mobile phone number is registered, and if the user is a registered user, the mobile phone number registered by the user is retrieved through DynamoDB. You can send a verification code to

Then, if the authentication number sent to the user is stored in DynamoDB, it responds to the mobile application through API Gateway that the operation is complete, and the mobile application that receives the response can wait for the user to enter the authentication number.

Next, the user receives the authentication code from the mobile phone being used, enters the authentication number in the mobile application, and the mobile application can call the API Gateway to call the function VerifyLogin to verify the authentication number of Lambda.

At this time, after determining whether to authenticate by checking whether the entered authentication number matches that already stored in DynamoDB, it can respond to the mobile application through API Gateway.

Then, when the user receives a response that the login is successful and enters the application home screen, enters the profile screen, selects a desired profile image from the gallery and presses the change button. The photo file is converted into Base64 format and delivered to Lambda through API Gateway. and Lambda can upload it to S3.

Here, assuming that the periodic payment service A of the financial company that the user is linked with is 3 days before the payment, CloudWatch, which is set to call the alarm logic (NotifyServices) at 12 o'clock every day, operates to call Lambda's NotifyServices function.

Next, by querying DynamoDB in Lambda, you can extract a list of services whose payment due date is 3 days later for each user, and the extracted service list can be repeatedly notified by push alarm for each user.

Then, the user can enter the application by clicking the received push alarm.

For other block configurations and other functions of the serverless backend architecture, detailed descriptions thereof will be omitted because they can be understood by those skilled in the art based on known techniques.

Next, an algorithm for extracting periodic payment details in the periodic payment service management system 200 of the present invention will be described below.

This periodic payment extraction algorithm must be able to respond to payment cases in various cases to process actual payment data. For example, in the case of communication fee payment details, the payment amount may be different every month and the periodicity of payment may not be guaranteed due to overdue at the same time. ) or the continuity of the payment amount alone, it is difficult to completely identify and extract the periodic payment details.

Therefore, the periodic payment service management system 200 of the present invention comprehensively analyzes these data and classifies the exception cases to configure fuzzy logic, which is one of the rule-based AI technologies, to extract periodic payments with high accuracy. Intelligent algorithms can be applied.

Referring to FIG. 4 , graph (a) is a graph showing the continuity of payment amounts. As an example, A may be a hamburger product, B may be a contents product, and C may be an insurance product, and in this case, the payment amount of B, which is a contents product, is It can be seen that the most constant continuity is shown.

In addition, graph (b) is a graph showing the periodicity of payment details. For example, A may be a hamburger product, B may be a contents product, and C may be an insurance product, and in this case, the payment history of B, which is a contents product, has a periodicity of 0.5 and , it can be seen that the payment details of insurance product C have the highest periodicity with a periodicity of 1.

At this time, the intelligent algorithm according to the present invention does not simply control the logic of 'True' and 'False' to derive the correct answer, but defines a set of continuous values between 0 and 1 and specifies a specific value through logical operation. It may be determined whether the payment data is a periodic payment.

More specifically, when the 'AND(*) operation process' is performed on the graph (a) and the graph (b), the accuracy is improved because only the narrowest periodical payment can be extracted as in the graph (c-1). However, on the other hand, there is a limit to the occurrence of missing cases even though it is a regular payment.

Therefore, when 'OR(+) operation process' is performed on graph (a) and graph (b), regular payment in a wider range of 'AND(*) operation process' range as in graph (c-2) is performed. It has the advantage of being able to expect reliable accuracy while extracting.

Therefore, it is possible to extract periodic payment details that cannot be extracted by simple conditional judgment as in the past. It can also provide functions.

How to manage subscription service

Referring to FIG. 5 , in order to implement the periodic payment service management of the present invention, a process of registering as a member and a step of logging in by a user who has completed membership registration (S100) may be performed.

The periodic payment service management system 200 according to the present invention provides a user interface for membership registration when a membership registration request is received from at least one user terminal 300, and registers information about the user input through this. can be subscribed to In this case, the input user information may include information about an address and personal information. In addition, in the membership registration and login process, the user can log in by accessing the periodic payment service management system 200 through the user terminal 300 capable of Internet access, such as a mobile terminal or computer owned by the user.

Subsequently, the periodic payment service management system 200 may proceed with the step (S200) of collecting one or more payment details from each payment server 400 according to the payment method selected by the logged-in user terminal 300. have. In this case, the collected user's payment details may refer to information including expenditure details of services the user is subscribed to on a regular basis.

Next, from among the collected payment details, the user terminal 300 may perform a step (S300) of determining and extracting one or more subscription service payment details regularly subscribed to. In this case, the periodic payment service management system 200 may extract at least one or more periodic payment items that the user is subscribed to on a regular basis from the total service expenditure details to which the user is subscribed.

Then, based on the extracted periodic payment details, the subscription service step (S400) of providing any one or more of expenditure management, payment management, subscription management, re-subscription management, and similar service management to the user terminal 300 can be performed. have.

Then, if the step of changing the regular payment based on the subscription service (S400) is performed (YES, 'B' process), the cancellation service (S600) can be performed through the periodic payment change service (S500) according to the present invention, , if the step of changing the periodic payment based on the subscription service (S400) is not performed (NO, 'A' process), the periodic payment cancellation service (S600) according to the present invention may be performed.

Next, FIG. 6 is a flowchart illustrating in detail a process of providing a subscription service from among the regular payment services according to an embodiment of the present invention.

Referring to FIG. 6 , the subscription service step (S400) according to an embodiment of the present invention generates a user interface based on the extracted periodic payment details, and through the user interface, a payment management process (S410), Any one or more of the subscription management process (S420), the recommendation management process (S430), and the expenditure management process (S440) may be provided. A detailed description of each process of such a subscription service has been described in the description of the subscription unit 240 for periodic payment with reference to FIG. It can be understood by the description.

Next, FIG. 7 is a flowchart illustrating in detail a process of providing a cancellation service among the regular payment services according to an embodiment of the present invention.

Referring to FIG. 7 , in the cancellation service step (S600) according to an embodiment of the present invention, a user interface is created based on the extracted periodic payment details, and a cancellation path for periodic payment is provided through the user interface. Any one or more of the process ( S610 ) and the cancellation navigation providing process ( S620 ) may be provided to the user terminal.

As shown, the cancellation route providing process (S610) may be canceled through any one of app store cancellation (S611), call cancellation (S612), web cancellation (S613), and app cancellation (S614), each path Each cancellation method may be provided to the user terminal 300 as a separate notice or pop-up message.

In addition, the cancellation navigation providing process ( S620 ) is displayed on the navigation screen that guides the cancellation method suitable for the corresponding service on the screen of the user terminal 300 , so that the user can conveniently proceed with the cancellation procedure according to the corresponding navigation screen. A detailed description of each process of this cancellation service has been described in the description of the regular payment cancellation unit 260 with reference to FIG. It can be understood by the description.

Next, FIG. 8 is a flowchart illustrating in detail a process of providing a change service among the periodic payment services according to an embodiment of the present invention.

Referring to FIG. 8 , in the change service step (S500) according to an embodiment of the present invention, a user interface is generated based on the extracted periodic payment details, and through the user interface, periodic payment breaks for periodic payments Any one or more of the process (S510) and the process of changing the payment method (S520) may be provided to the user terminal. Thereafter, the cancellation service (S600) step according to the present invention may be performed.

A detailed description of each process of such a change service has been described in the description of the periodic payment change unit 250 with reference to FIG. 2 above, so a detailed description thereof will be omitted.

An example of a regular payment service management method

In order to help a more specific understanding of the method for managing the periodic payment service according to the present invention described above, in the following detailed description, the user logs in to the periodic payment service management system 200 and performs some processes of the subscription service, and then a specific service A case in which a re-subscription process is performed after performing a cancellation service for a service will be described as an example, and a method (process) for managing a periodic payment service of the present invention will be described. However, this is a description of the most representative application process for convenience of description, and the present invention is not limited thereto.

First, referring to FIG. 9 , in order to receive the periodic payment service management of the present invention, a user who has previously signed up for the periodic payment service management system 200 may log in ( S10 ).

Next, the step (S11) of collecting one or more payment details of the corresponding user from each payment server according to the payment method such as a credit card, bank account, simple payment, etc. selected by the logged-in user may be performed.

Next, from among the collected payment details, a step (S12) of determining and extracting one or more service payment details to which the user is regularly subscribed may be performed.

Then, based on the extracted periodic payment details, a corresponding user interface may be generated, and the expenditure details may be visualized as a graph through the user interface, and the display step (S13) may be performed. In this case, the periodic payment expenditure details for at least one service may be visualized and displayed as a graph in which the expenditure details by date of the month are displayed, and the expenditure details by day of the corresponding month may be displayed as accumulated amounts.

In addition, the periodic payment expenditure details for at least one service may be displayed by visualizing the trend of the total expenditure details by month unit as a graph. That is, by visualizing and displaying the expenditure details of the periodic payment service in a graph, the user intuitively recognizes the service for which payment has been completed and the service for which payment is to be made based on the time (date) when the information is provided, and the corresponding information It is possible to decide whether or not to pay for at least one or more services that need to be paid after the point in time when the service is provided.

In addition, the display step (S13) visualizes how much money paid monthly is spent by visualizing these expenditure details as a graph, and by showing the total amount and monthly details by month, total monthly expenditure details trend can be observed. In other words, instead of showing only a list of expenditure details for the collected information, it can be shown by presenting a graph and a list of expenditure details. For example, the total amount paid in October is 840,000 won, and it is possible to provide information on how much increased or decreased compared to the previous month.

In other words, by visualizing and displaying the periodic payment service expenditure as a graph, the user can intuitively recognize his or her periodic payment service expenditure history. A more detailed description of the process of visualizing and displaying the periodic payment service expenditure details as a graph may be understood by the following detailed description taking the actual app driving screen as an example.

In addition, although not shown, in the state in which the periodic payment service expenditure details are visualized and displayed in a graph, the corresponding service may be extended when the user is asked whether to extend the service by asking whether the user has an extension or not for a service with a short expiry date left. In addition, when the user requests cancellation of a specific service while the periodic payment service expenditure is visualized and displayed in a graph, the service for which cancellation is requested may be canceled.

Next, referring to FIG. 10 , an event push notification message may be transmitted to the corresponding user terminal for each at least one subscription service for which the user is paying regularly ( S14 ).

In this case, the event push notification message that notifies the user terminal may include payment date notification information for each service for which the user is making a regular payment, and cancellation possible date information. For example, 'The service will be billed tomorrow. You can cancel by today.' A push notification may be delivered.

That is, to receive push notifications for each service, when the user enters a specific service by touching it, the service is scheduled to be paid tomorrow, cancellation is possible until today (cancellation possible date), how much has been spent so far, what is the payment cycle, The accumulated payment amount may be reported, and at least one or more similar services may be displayed to allow the user to make a comparison selection.

In addition, when the user selects a specific service and presses the cancel button, a message asking whether to really cancel may be displayed. In this case, the regular payment subscription service management server may display similar services and at the same time allow the user to determine whether to cancel or continue to use the corresponding service.

If the user really requested to cancel the service, the user can continue to subscribe to the service if it matches the registered password by inputting the user's unique password. can be processed to

In particular, by notifying each of the possible cancellation dates for each service for which the user is regularly paying, the corresponding user can select whether to cancel each service, and at this time, it is possible to select a similar service for determining whether to cancel or not.

In other words, when managing the regular payment service used by the user, the regular payment can be canceled, and after the cancellation, similar services in the nature of substitutes and complementary goods can be selected. For example, if a user is using the Netflix service, they can cancel the Netflix service and use watcha. Also, if you are using Netflix, you can cancel Netflix and save money.

In addition, if a user is using any service that the user regularly pays for, for example, Woongjin Coway's water purifier service, he can cancel the Woongjin Coway water purifier service and order bottled water with regular delivery from Coupang. Alternatively, you can cancel Woongjin Coway's water purifier service, save money with the money, and boil water.

In addition, similar services in the nature of complementary goods may be moved between all services including, for example, subscription services with regular payment, financial products, rentals, and memberships, including industries in other fields.

Subsequently, when the user selects a specific service, payment date information, payment cycle information, accumulated expenditure information, cancellation possible date information, and similar service information for the selected service may be provided ( S15 ).

Subsequently, the periodic payment subscription service management server may confirm whether cancellation is requested before the cancellation possible date for any one of the subscription services selected from at least one or more periodic payment subscription services (S16).

Next, when it is confirmed that the cancellation of a specific service is requested, the periodic payment subscription service management system 200 may cancel the requested service (S17).

Next, referring to FIG. 11 , the user who requested the cancellation process may select a service similar to the canceled subscription service ( S18 ).

Subsequently, the periodic payment subscription service management system 200 may check whether a subscription request for a similar service selected by the corresponding user has occurred ( S19 ).

Then, when it is confirmed that a subscription request for the similar service selected by the user has occurred, the periodic payment subscription service management system 200 may subscribe to the subscription-requested similar service (S20).

Subsequently, the periodic payment subscription service management system 200 may check (S21) whether a re-subscription request has occurred from the corresponding user for the service canceled in the cancellation processing step (S17), In the case of re-subscribing to the user, the following process may be performed as shown in FIG. 10 .

Finally, referring to FIG. 12 , when it is confirmed that a re-subscription request has occurred for the service canceled by the user, the subscription service management server may re-subscribe the re-subscribed service (S22). .

Next, the periodic payment subscription service management system 200 includes at least one periodic payment subscription service to which the user is regularly subscribed, with today as a reference date, and distinguishing between a service whose payment date has passed and a service whose payment date has not passed (S23) can be performed. In this case, in step S23, the periodic payment subscription service management system 200 may record and display the information collected for all services for which the user is regularly paying.

In particular, when the periodic payment subscription service management system 200 displays the recorded information, the user may divide and display the service details that the user decides to pay based on today and the service details for which the payment needs to be decided. Services that have already passed the payment date will continue to be used if the user leaves it alone, and services with a payment date approaching as of today allow the user to choose whether to pay or not.

Such a periodic payment subscription service management server 200 may cancel when cancellation is requested for a service for which the user must decide to pay, and when re-subscription is requested for the canceled service, re-subscription processing for the service is performed. You may.

That is, in the present invention, it does not simply show where and how much has been spent on the user's latest payment history, but for all services that are regularly paid, as of today, the service that has been canceled or canceled service is resubscribed or expired. You can make it easier to make a consumption decision, such as an extension application subscription.

The description of the recording function part of the present invention described in step S23 will be described in more detail below with reference to the illustrated drawings.

Subsequently, the periodic payment subscription service management system 200 may display (S24) a service that has passed a separate payment date and a service whose payment date has not passed, based on the time (date) of inquiring the corresponding information as a reference date. At this time, the periodic payment subscription service management system 200 requests when cancellation of any one service selected from among the services for which the payment date has not passed as of today for at least one or more periodic payment subscription services to which the user is regularly subscribed The service may be canceled.

In addition, the periodic payment subscription service management system 200 may, of course, re-subscribe the service for which re-subscription is requested when re-subscription is requested by the user for the canceled service.

The present invention allows the user to intuitively recognize and manage the expenditure for regular payment service through a visualized graph, to make a selection according to individual services, to make an easy consumption decision, and to make an easy consumption decision. Can be canceled and subscribed.

In the above process, cancellation and subscription of a specific service requested by a user will be described in more detail.

Provision of subscription service for regular payment

Referring to FIG. 13 , the portion marked with 'No. 1' on the main screen of the user terminal 300 may perform a service adding function. can be added

Subsequently, the part marked with '2' on the main screen may appear overlaid with the main notification from right to left. can

Subsequently, on the main screen, items marked with '4' may be displayed as '1 cycle' for items whose payment or expiration is imminent based on today's date. Here, as you go back, the opacity draws cos(x) and approaches a value of 0. When there is an item that is paid for on the same day, both icons can be displayed together, and horizontal scrolling is possible and only the focused item is named is displayed and snaps can be applied.

Subsequently, the portion marked with '5' on the main screen is statistical data showing the trend of expenditure for this month, and may include a graph of expenditures, total expenditures for the current month, and changes from the previous month. Here, the total expenditure for the current month may be expressed in won as the sum of all expenditures in the corresponding month. As for the amount of change from the previous month, the amount of increase/decrease in expenditure compared to the previous month may be displayed.

Subsequently, the portion indicated by '6' on the main screen may include a service paid for and a service before payment as a graph showing the trend for this month. Here, a service paid according to the payment date may be displayed as an on point, and a service before payment may be displayed as an empty dot on the payment date.

In addition, the x-axis may be a date, and a red solid line may be located on the current day, and the past may be displayed with a blue solid line and the future with a blue dotted line based on the present day. Here, when the graph is touched, a monthly graph may be displayed.

In other words, the user can determine the continuation or change of consumption by looking at the trend of periodic payment spending on this screen at a glance. In particular, this month's regular payment spending trend, monthly regular payment spending trend, increase/decrease compared to the previous month, services decided to consume based on the current day, service status to be consumed based on the current day, verified service recommendations tailored to user preferences, subscriptions The service details in progress can be intuitively shown to the user.

Next, FIG. 14 is a user interface screen showing another example of a subscription service for periodic payment according to an embodiment of the present invention.

Referring to FIG. 14 , as shown, the portion marked with 'No. 1' on the scroll screen can be identified through a label when the month changes in the list, and the portion 'No. 2' on the scroll screen is a service due to expiration. A due date may be indicated.

Subsequently, in the '3' part on the scroll screen, even in the case of a service with more than two months remaining due to the payment date, the payment due date may be displayed, and the subscribed service may appear once unconditionally.

Subsequently, on the scroll screen, a view more button may be displayed at the bottom of the list for 'No. 4' on the scroll screen, and when the button is touched, it may be moved to the record.

Next, FIG. 15 is a user interface screen showing an example of subscription management among the periodic payment subscription service according to an embodiment of the present invention.

Referring to FIG. 15 , if part '1' is touched on the notification service screen, it is possible to return to the main screen.

Subsequently, a page title may be displayed in the '2' part on the notification service screen. When swiping up, it can be centered as a small title, a dividing line can be displayed, and can change naturally as scrolling reaches the top.

Subsequently, in the '3' part on the notification service screen, the date on which the alarm is displayed may be displayed. If the payment/expiration date is within 3 days, it may be displayed in red, and in the case of a recently displayed notification, the background may be displayed in a dark color. If you enter the notification tab more than once, you can cancel it, and in the case of a confirmed notification, the text color may be light. The text at the bottom may be displayed as follows along with the payment amount.

"Three days before the possible cancellation date: Cancellation is possible up to three days later.

2 days before the cancellation date: Cancellation is possible up to the sand.

1 day before the cancellation date: Cancellation is possible until tomorrow.

On the same day as possible cancellation date: Cancellation is possible until today."

Subsequently, in the case of an item before payment as in '4' on the notification service screen, a service icon, name, payment amount, and cancellation date may be displayed, and when touched, it may be moved to a detailed notification menu.

Subsequently, in the case of an item after payment as in 'No. 5' on the notification service screen, notification details may not be displayed, and a next spending date may be displayed at the bottom instead of a cancelable date.

Providing notification function during regular payment subscription service

Referring to FIG. 16 , the portion marked as 'No. 1' on the scroll screen may be generated by displaying the upper toolbar in a basic size. For example, the tab name may be displayed as 'Today'.

Subsequently, curation may be displayed on the 'No. 2' part on the scroll screen. Here, the shape and size of the curation may change, but the location may be the same. In addition, horizontal scrolling is possible, a snap can be applied to each item, and when touched, a service guide of the corresponding curation can be displayed overlaid on the right side.

Subsequently, on the scroll screen, a portion '3' may display services to be paid for in one cycle. Here, one cycle may mean a display amount when all subscribed services are unconditionally displayed once on the corresponding list.

Subsequently, in the '4' part on the scroll screen, the service payment date may be displayed in the form of mm.dd (month. .

Subsequently, in the '5' part on the scroll screen, if there are two or more items to be paid for on the same date, only the uppermost item may have a date and no dividing line may be displayed, and only the last item may have a dividing line. .

Subsequently, in the '6' part on the scroll screen, in the case of an item having a price change due to a promotion applied, a price before application and a price after application may be written together.

Then, when '7' is swipe left in the service list on the scroll screen, quick cancellation may be displayed, and if 'cancellation' is tapped, the cancellation service according to the present invention may be overlaid.

Providing recommendation management among regular payment subscription services

Referring to FIG. 17 , the corresponding screen may show details of each notification, and even when a push notification of a service is touched, the corresponding screen may be guided to the corresponding screen.

First, if you touch 'No. 1' on the detailed notification service screen, you can return to the main screen.

Subsequently, the '2' part on the detailed notification service screen may be displayed in the form of a service, a service name, a final payment amount, and a payment date in the form of text.

Subsequently, in the '3' part on the detailed notification service screen, the last period during which the service can be canceled may be displayed, and may be displayed until October, 00, until tomorrow, and until today. In addition, the basic payment amount and the accumulated payment amount may be displayed as a payment unit of a corresponding service. The payment cycle may display a cycle and a payment date, and may be displayed in a form such as the dd day or 30th of each month.

Subsequently, in the '4' part on the detailed notification service screen, a service that can replace the corresponding service may be recommended. It can be expanded and displayed when you swipe up, and the same operation can be performed by pressing the More button. For each service, an icon, a service name, and promotion information may be displayed, and when touched, it may be moved to a page showing the corresponding service information.

Subsequently, on the detailed notification service screen, the '5' part may be overlaid with service cancellation guidance, and the '6' part may be processed as the user has confirmed the notification and may be moved to the main screen.

Next, FIG. 18 is a diagram illustrating another example including recommendation management among the subscription service for regular payment according to an embodiment of the present invention.

Referring to FIG. 18 , as shown, on the detailed notification service scroll screen, an imminent service can be notified to the user, and a menu for exercising the consumption decision right by extending, canceling, or replacing a service for regular payment is provided. can do.

First, if you touch 'No. 1' on the detailed notification service scroll screen, you can return to the main screen.

Subsequently, on the detailed notification service scroll screen, part '2' may display a page title and may be displayed in the center as a small title, and a dividing line may be displayed when scrolling instead of normally displaying a dividing line.

Subsequently, a part '3' on the detailed notification service scroll screen may show similar services, and when a specific similar service is touched, it may be moved to a menu introducing information about the corresponding service.

Subsequently, the '4' part on the notification detailed service scroll screen may always be positioned as the last element in the list, and may guide the user to find more new services in the search.

As described above, such a notification function can notify the user of an imminent payment service, and the user can easily exercise the right to decide consumption by extending, canceling, or replacing a service for regular payment through the notification.

Providing payment management during regular payment subscription service

Referring to FIGS. 19 and 20 , by providing the record information of the subscription service, the user can intuitively recognize the service being used, and whether the user decides to consume can be a key criterion for visualization. .

First, in the 'No. 1' part on the record information provision screen of the regular payment subscription service, service addition may appear overlaid from bottom to top, and subscription service and living expenses may be added.

Subsequently, on the record information providing screen of the periodic payment subscription service, the '2' part may appear overlaid with the aforementioned notification function from right to left, and '3' part may be converted into a subscription report page.

Subsequently, the next payment item may be displayed in the '4' part on the record information provision screen of the regular payment subscription service, and when scrolling down, the opacity of the background becomes 0 and a list may appear. When the displayed service is touched, it may be moved to the service subscription page of the corresponding item.

Subsequently, on the record information provision screen of the periodic payment subscription service, the '5' part can display the payment status of the corresponding service item, and there are three states: payment due, due due, and payment completed. Expected: payment date, due date: expiration date >>> p.00, payment completed: payment date'.

Subsequently, in the '6' part on the record information provision screen of the periodic payment subscription service, service items for which payment has been completed that the user has decided to consume as of today may be displayed, and from the top to the most recent order. can

Subsequently, the '7' part on the record information provision screen of the periodic payment subscription service may be divided into a monthly display when the monthly unit of each reference date is changed.

Subsequently, on the record information providing screen of the regular payment subscription service, the '8' part may be attached to a tab bar at the bottom of the page, and a calendar that can be moved monthly may be arranged. Background Blur may be applied to the background, and it may be moved by touching it or moving it through a horizontal swipe. Snap can be used to display 7 months at a time, the extended calendar can be overlaid when swiping up, and the month selected in the '9' section can be displayed through the background color.

Next, FIG. 21 is a user interface screen showing an example of providing a record scroll of payment management among the periodic payment subscription service according to an embodiment of the present invention.

Referring to FIG. 21 , in the 'No. 1' part on the record scroll screen of the regular payment subscription service, when you swipe down, a payment schedule item of one cycle may be displayed, and the opacity of the background box is changed to 0 can be

Subsequently, the '2' part on the record scroll screen of the periodic payment subscription service may display today and allow the user to distinguish between the payment scheduled item and the paid item based on today.

Then, on the record scroll screen of the subscription service, the '3' part may display a page title and may be displayed in the center as a small title when swiping up, and a dividing line may be displayed. As the scroll reaches the top, it can change naturally.

Subsequently, in the case of a one-time payment having an expiration date, the '4' part on the record scroll screen of the periodic payment subscription service may display the date of the expiration date.

Next, FIGS. 22 and 23 are user interface screens showing an example of a record calendar for payment management in a periodic payment subscription service according to an embodiment of the present invention.

22 and 23 , the 'No. 1' part on the record calendar screen of the subscription service may expand the calendar at the bottom of the page and adjust the background to be dark. The Tap Bar can be moved to the bottom of the page to disappear, swipe down to exit, or tap the background to return.

Subsequently, the '2' part on the record calendar screen of the regular payment subscription service may display the current month information. By touching the left and right arrows, it may be possible to move to the previous month or the next month, and when the month information is touched, it may be switched to a date selection screen. In the case of animation, when the wall information is touched, the wall area (background) may expand and the opacity may converge to 0.

At the same time, the opacity of the date information may reach 0 at the midpoint of the animation, and thereafter, the date selector may be enlarged to fit the size of the month area (background) and the opacity may be increased to 100. The calendar is a reverse-playing version of that animation, where the background opacity of the calendar area increases from 0 to 100 and decreases in size, and the calendar itself can reach 0 opacity at the midpoint of the animation. Afterwards, the opacity of the View with Calendar label may be 100, and the setting may not be remembered the next time you enter this screen.

Subsequently, on the record calendar screen of the regular payment subscription service, the '3' part may be displayed through a blue dot under the date when there is a service to be paid on that day, and only one may be displayed regardless of the number .

Subsequently, the '4' part on the record calendar screen of the periodic payment subscription service may be displayed using a gray dot as above, even in the case of a service that expires on the corresponding day.

Subsequently, the '5' part on the record calendar screen of the regular payment subscription service may be displayed in the same blue background in the case of the current date, and may be displayed in a gray background if it is not selected in the case of today.

Subsequently, the '6' part on the record calendar screen of the regular payment subscription service can be moved by designating a specific date through a scrubber. When there is no payment information on a specific date, it may be displayed based on the nearest payment date after the corresponding date.

Subsequently, the '7' part on the record calendar screen of the regular payment subscription service can be viewed as a calendar like the above-mentioned screen.

As described above, the payment management process of the periodic payment subscription service records consumption history so far and expected future consumption, so that the user can intuitively view the service for which the consumption decision is made and the service for which the consumption decision is made.

In addition, periodic payment can induce unconscious consumption by the user. As an active consumption subject, the user determines consumption for the service being paid regularly and intuitively recognizes the service that has been decided to consume, so that the user can gain insight into consumption. be able to have

Providing a cancellation path during the regular payment cancellation service

Referring to FIG. 24 , as shown in the figure, on the cancellation management screen of the periodic payment subscription service, the user can check the subscription information, and can change or cancel it.

First, if you touch 'No. 1' on the cancellation management screen of the subscription service, you can return to the previous screen.

Subsequently, on the cancellation management screen of the regular payment subscription service, the '2' part may be displayed overlaid with a cancellation menu for a specific subscription service.

Subsequently, a service icon, service name, and category may be displayed in the '3' part on the cancellation management screen of the regular payment subscription service.

Subsequently, the '4' part on the cancellation management screen of the regular payment subscription service may display the remaining days until the next payment date. In the case of payment tomorrow, 'Payment will be made tomorrow!' may be displayed as shown on the screen. In case of payment within 3 days, 'Payment in n days' can be used. Otherwise, the payment date may be displayed.

Subsequently, the '5' part on the cancellation management screen of the regular payment subscription service may display the rate plan being used, and when touched, a menu for the user to reselect the rate plan may be overlaid and displayed. The rate plan may be basic, standard, premium, and the like. For example, the basic plan may be used by one person at the same time, HD quality service, the standard plan may be simultaneous use by two people, FHD quality service, and the premium plan may be simultaneous use by 4 people and QHD quality service.

Subsequently, on the cancellation management screen of the regular payment subscription service, payment information for the service may be displayed on the part '6' on the cancellation management screen, and when touched, the first payment date and notification information before payment may be overlaid and displayed depending on the situation.

Subsequently, the '7' part on the cancellation management screen of the regular payment subscription service may display a memo that can be edited when touched.

Subsequently, in part '8' on the cancellation management screen of the subscription service for periodic payment, a method for canceling the subscription service for periodic payment may be displayed. For example, if the user wants to cancel at least one subscription service, select any one of the menus: Cancel from the overlaid App Store, Cancel by Call, Cancel from the Web, or Cancel from the App You can request to cancel the service. These various release methods may be specifically described by the detailed description with reference to FIGS. 25 to 28 below.

25 is a user interface screen showing an example of a method of canceling an App Store of a cancellation path among regular payment cancellation services according to an embodiment of the present invention, and FIG. 27 is a user interface screen showing an example of a method of canceling a call of a route, and FIG. 27 is a user interface screen showing an example of a method of canceling a call through the web of a cancellation route among regular payment cancellation services according to an embodiment of the present invention, FIG. 28 is a user interface screen showing an example of a cancellation method through an app of a cancellation path among regular payment cancellation services according to an embodiment of the present invention.

First, referring to FIG. 25 , looking at the method of canceling the 'app store' of the subscription service, if you touch the part '1' on the app store cancellation screen of the subscription service, you can return to the service-cancellation menu, , if you press part 1 even after cancellation, it may be processed as not cancelled.

Subsequently, part '2' on the app store cancellation screen of the regular payment subscription service may represent a simplified method of canceling the service through the app store.

Subsequently, part '3' on the app store cancellation screen of the regular payment subscription service may be moved to the subscription service cancellation screen of the app store.

Subsequently, the '4' part on the app store cancellation screen of the subscription service may allow an email to be sent to , for example, contact@whatssub.co when a problem occurs during the cancellation process.

Subsequently, the '5' part on the app store cancellation screen of the subscription service may try the cancellation method again.

Subsequently, if cancellation is requested and accepted for part '6' on the App Store cancellation screen of the regular payment subscription service, the cancellation may be deemed complete and the corresponding service may be deleted.

Next, referring to FIG. 26 , looking at the method of canceling through 'call' of the subscription service for regular payment, 'No. 2' on the call cancellation screen of the subscription service is connected to the call, then by pressing the numbers sequentially according to the guide You can proceed with the call cancellation procedure.

If you touch '3' on the call cancellation screen of the subscription service, you can call the customer center for cancellation of the service. Services in other numbers are the same as the App Store cancellation method, so to avoid duplication. A detailed description will be omitted.

Next, referring to FIG. 27 , looking at the cancellation method through the 'web' of the periodic payment subscription service, the '2' part on the cancellation screen through the web of the periodic payment subscription service will display the cancellation method through the web. can

Then, if you touch the '3' part on the call cancellation screen of the subscription service, you can link to the page for canceling the web. For this purpose, a detailed description will be omitted.

Finally, referring to FIG. 28 , looking at the cancellation method through the 'app' of the subscription service for regular payment, '2' on the cancellation screen through the app of the subscription service will display the cancellation method of the app. can

Then, if you touch the '3' part on the call cancellation screen of the subscription service, you can move to the cancellation screen of the corresponding app. For this purpose, a detailed description will be omitted.

Providing cancellation navigation during regular payment cancellation service

Referring to FIG. 29 , a cancellation navigation guiding a cancellation method may be provided at the top A of the screen of the user terminal 300 . At this time, the web page of the service to be canceled is connected at the bottom (B) of the same screen, so the user can easily and conveniently perform the cancellation process on the cancellation page at the bottom (B) of the screen according to the guidance of the cancellation navigation at the top of the screen (A). can

For example, as in the illustrated screen (a), the process of logging in to the service, which is the first-step cancellation process, is performed at the bottom (B) of the screen according to the guidance at the top (A) of the screen, and then the second-step cancellation process, the cancellation You can complete the application process at the bottom (B) of the screen by following the instructions at the top (A).

Providing periodic payment breaks during periodic payment change service

Referring to FIG. 30 , when a user selects a cancellation function for a specific service desired,

If you select (touch) 'No. 1' on the screen of the subscription service for regular payment, you can enter the cancellation service screen for the service. At this time, the cancellation service may provide a function to take a break for one period of regular payment or a period of time. You can proceed with the selection process.

Therefore, it is possible to change the regular payment so that the user can take a break from the regular payment for the period desired by the user, thereby preventing the user from having to re-subscribe after canceling the existing subscription, and from the seller's point of view, the departure of subscribers is minimized. can do.

Providing change of payment method during regular payment change service

The change of payment method among the regular payment change service according to an embodiment of the present invention is based on the statistics of payment details for a plurality of credit cards possessed by the user, but the amount used is transferred to a different credit card. For a credit card of Company A, which is lower than that, it can perform a function of recommending certain benefits and converting it to a regular payment card.

Referring to FIG. 31 , in order to recommend switching to the company A credit card for the company B content for which the user is regularly paying, the user terminal device 300 sends an event to the user terminal device 300 through the notification function as shown in part '1' on the screen. You can send the message 'Save 1,000 won per month when paying company A's credit card for company B's contents'.

Then, when the user selects (touches, clicks) the notification, the entire notice is displayed as in the '2' part on the screen, and detailed benefit information can be checked.

Next, referring to FIG. 32 , if you select (touch, click) 'No. 2' on the screen in FIG. 31, you can access the company B content page, and the current subscription credit card information of the corresponding content and the company A credit card You can receive information on benefits when you switch to

Subsequently, when the user applies for conversion to the company A credit card, the company B contents are regularly paid with the company A credit card at the time of the next payment, and at this time, the user may receive certain benefits according to the change of the payment method.

In this case, the predetermined period is based on one month, and the process of switching the payment method may collectively change the regular payment credit card to another credit card.

Search for subscription service products and categorize them

Referring to FIG. 33 , it is possible to check product information for a regular payment service by searching for a product that meets the user's needs (or a recommendation function) rather than the existing service-oriented service. can apply In addition, it provides a function that can be added to the shopping cart, such as 'No. 2' on the screen, so that individual products can be searched in detail, and the user can selectively apply for regular payment according to the information provided.

Referring to FIG. 34 , at least one or more of the periodic payment details among the payment management of the periodic payment subscription service according to an embodiment of the present invention may be grouped by similar category and provided to the user terminal 300 through the user interface, As shown, a general subscription service classification as shown in 'No. 1' on the screen and a group such as communication cost and insurance as shown in 'No. 2' on the screen may be classified and provided to the user.

Therefore, it is easy for the user to visually check details of similar spending characteristics among the periodic payment details that he or she is spending, and can conveniently use subscription, change, and cancellation services.

Provision of expense management during regular payment subscription service

In the following detailed description, expenditure management among the periodic payment subscription service of the present invention will be described.

Referring to FIG. 35 , the expenditure management is any one of monthly expenditure management, previous year’s monthly expenditure management, seasonal expenditure management, and environment-dependent expenditure management based on the payment details and periodic payment details of the specific user terminal 300 . The process of providing the above to the user terminal through the user interface of the present invention may be performed.

Next, a process of comparing the expenditure according to age, gender, and consumption with the user of the corresponding user terminal and providing the comparison to the user terminal through the user interface may be performed.

Therefore, based on the user's regular payment history and total expenditure details (including deposit details), the user's spending pattern is analyzed and comparative information with similar groups (age, gender, income, etc.) is provided to provide systematic information to the user. Consumption and economic management effects can be expected.

More specifically, such an expenditure management function may provide a function to view relative expenditure/income indicators.

In other words, it is possible to provide a function to check whether one's own expenses and income are included in the top percentage based on statistics of users in the same age group as the user. For example, on the app linked to the periodic payment management system according to the present invention, users can link their financial payment records through the process > link step for each screen and store them in DynamoDB.

At this time, statistics such as average expenditure and income by age and average expenditure and income by gender can be extracted through an algorithm that collects/processes accumulated payment history data. These algorithms are automatically executed through Cloudwatch once a day to update the data. can be updated with

Thereafter, the user can browse the statistical information collected/processed in the application based on his or her age and gender, and can analyze the expenditure history and provide it to the user.

In particular, in the present invention, the analysis process can be carried out by reflecting external environmental factors such as seasonality and periodicity of expenditure. This is because of the seasonal cause. In addition, accuracy and reliability can be improved by reflecting the trend in the analysis algorithm that the frequency of taxi rides fluctuates depending on the weather and the frequency of eating out when the weather is good.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. media), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

In addition, in the detailed description of the present invention, specific matters such as specific components and limited embodiments and drawings have been described, but these are only provided to help a more general understanding of the present invention, and the present invention is limited to the above embodiments. It is not, and those of ordinary skill in the art to which the present invention pertains can devise various modifications and variations from these descriptions. Therefore, the spirit of the present invention is not limited to the above-described embodiments, and not only the claims described below, but also all modifications equivalently or equivalent to the claims are within the scope of the spirit of the present invention. will do it

Claims

As a method for managing a service based on regular payment on a communication network,

a collection step of linking one or more payment details from each payment server according to the payment method selected by the user terminal;

an extraction step of determining one or more periodic payment details to which the user terminal regularly subscribes from among the collected payment details;

generating a user interface including any one or more of a list, visualization, graphing, and notification function based on the periodic payment details; and

A subscription service step of providing any one or more of payment management, subscription management, recommendation management, and expenditure management of the periodic payment details to the user terminal through the generated user interface

A method comprising a.
According to claim 1,

The collection step is

The method, characterized in that the user terminal collects the payment details through a serverless method of dynamic resource distribution located outside by utilizing a code.
According to claim 1,

The extraction step is

converting and classifying the collected payment details into a set of continuous values between 0 and 1 based on the continuity of the payment amount and the periodicity of the payment details;

The process of calculating the classified continuity data of the payment amount and the periodicity data of the payment details by either AND or OR logic operation

By performing a method characterized in that it is determined whether the payment details are regular payments.
According to claim 1,

In the subscription service step,

The payment management may include: providing at least one or more of the periodic payment details to the user terminal through the user interface so as to be displayed as a monthly or daily expenditure detail; providing to the user terminal through the user interface before the payment date of at least one or more of the periodic payments; A process of grouping at least one or more of the periodic payment details by similar categories and providing them to the user terminal through the user interface

A method comprising any one or more of
According to claim 1,

In the subscription service step,

The subscription management includes a process of classifying the periodic payment details inquired by the user terminal from the service whose payment date has passed and the service whose payment date has not passed based on the inquiry date, and providing the service to the user terminal through the user interface; A process of providing re-subscription information to the user terminal through the user interface based on the periodic payment details already canceled by the user terminal

A method comprising any one or more of
According to claim 1,

In the subscription service step,

The recommendation management may include a process of recommending a periodic payment product similar thereto to the user terminal through the user interface based on the previously canceled periodic payment; recommending a similar product to the user to the user terminal through the user interface based on the payment pattern of the user terminal; A process of recommending, through the user interface, a product for which another user terminal similar to this is regular payment, to the user terminal based on the amount of money spent and the payment pattern of the user terminal for a certain period of time

A method comprising any one or more of
According to claim 1,

In the subscription service step,

The expenditure management is, based on the payment details and the periodic payment details, any one or more of monthly expenditure management, previous year's monthly expenditure management, seasonal expenditure management, and environment-dependent expenditure management through the user terminal courses offered by; A process of comparing expenditures according to age, gender, and consumption with a user of the corresponding user terminal and providing it to the user terminal through the user interface

A method comprising any one or more of
6. The method of claim 5,

The subscription management is

The method of claim 1, further comprising the step of extending by a predetermined period when the user terminal requests a subscription to an expiration notification subscription service from among at least one or more periodic payment services to which the user terminal is regularly subscribed.
According to claim 1,

At the request of the user terminal,

Based on the subscription service, further comprising a cancellation service step of providing any one or more of a cancellation route for the regular payment and a cancellation navigation to the user terminal through the user interface,

The cancellation service is

The cancellation path may include: providing at least one cancellation path for a service for which cancellation is requested from among at least one or more periodic payment services subscribed to on a regular basis by the user terminal;

At least one cancellation method for the service for which cancellation is requested includes any one of a method of canceling in an app store, a method of canceling by call, a method of canceling in an app, and a method of canceling in the web,

The cancellation navigation is a process of providing cancellation navigation to a certain area on the screen of the user terminal for a service for which cancellation is requested among at least one or more periodic payment services to which the user terminal is regularly subscribed

A method comprising a.
According to claim 1,

At the request of the user terminal,

Based on the subscription service, further comprising a change service step of providing any one or more of a break for periodic payment for the periodic payment and a change of payment method to the user terminal through the user interface,

The change service is

The rest of the regular payment may include: a process of applying for a rest of the regular payment for a certain period from among at least one or more regular payment services subscribed to on a regular basis by the user;

The change of the payment method is a process of converting a payment method of at least one regular payment service subscribed by a user to another payment method

A method comprising a.
11. The method of claim 10,

The predetermined period is based on one month, and the process of switching the payment method is characterized in that the periodic payment credit card is changed to another credit card in a batch.
As a system for managing a service based on regular payment on a communication network,

a payment history collecting unit that interlocks one or more payment details from each payment server according to the payment method selected by the user terminal;

a periodic payment extraction unit for determining and extracting one or more periodic payment details to which the user terminal regularly subscribes from among the collected payment details;

an integrated management unit for generating and providing a user interface including any one or more of a list, visualization, graphing, and notification function based on the extracted periodic payment details;

a periodic payment subscription unit for providing any one or more of payment management, subscription management, recommendation management, and expenditure management of the periodic payment details to the user terminal through the generated user interface;

a periodic payment change unit for providing one or more of a periodic payment break for the periodic payment and a change of payment method to the user terminal through the user interface in response to a request from the user terminal; and

In response to a request from the user terminal, a regular payment cancellation unit that provides at least one of a cancellation route for the periodic payment and a cancellation navigation to the user terminal through the user interface

A system comprising a.