WO2022114888A1 - Système de traitement de paiement et procédé associé - Google Patents

Système de traitement de paiement et procédé associé Download PDF

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Publication number
WO2022114888A1
WO2022114888A1 PCT/KR2021/017752 KR2021017752W WO2022114888A1 WO 2022114888 A1 WO2022114888 A1 WO 2022114888A1 KR 2021017752 W KR2021017752 W KR 2021017752W WO 2022114888 A1 WO2022114888 A1 WO 2022114888A1
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WO
WIPO (PCT)
Prior art keywords
payment
investment
credit
user
processing
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PCT/KR2021/017752
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English (en)
Korean (ko)
Inventor
정인영
송인성
정재성
Original Assignee
주식회사 디셈버앤컴퍼니자산운용
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Priority claimed from KR1020210165435A external-priority patent/KR20220076350A/ko
Application filed by 주식회사 디셈버앤컴퍼니자산운용 filed Critical 주식회사 디셈버앤컴퍼니자산운용
Publication of WO2022114888A1 publication Critical patent/WO2022114888A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to a payment processing system and method, and to a system and method for maximizing an investment effect by allowing an investment amount to be used for payment for a product or service.
  • Korean Patent Laid-Open Patent No. 10-2007-0091861 "Automatic investment method and system and program recording medium according to payment processing" is intended to increase investment efficiency by allowing an amount corresponding to the payment amount to be invested.
  • the present invention receives a user's payment request, the user creates a credit in the user's name as much as the required amount, and rebalances the investment portfolio in the user's investment account to generate cash corresponding to the loan and repay the loan, so that the user can immediately cash
  • the purpose of this is to make it possible to use investment funds in an investment account that cannot be used like cash.
  • the present invention generates a loan by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and processing the payment request using the cash and the loan amount of the investment account.
  • the purpose of this is to allow the payment to be processed flexibly in consideration of the user's asset status.
  • An object of the present invention is to allow a user to more rationally manage their investment by rebalancing the investment portfolio in consideration of the repayment period of the loan and the cash generation time according to the portfolio readjustment.
  • An object of the present invention is to enable planable credit repayment by requesting the user to deposit the payment amount for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account. do.
  • An object of the present invention is to check the credit status requiring repayment and to make the loan repayment planable by processing the payment request except for the investment portfolio scheduled to be readjusted in response to the credit status requiring repayment.
  • the payment processing system receives an investment processing unit for managing an investment portfolio in a user's investment account, the user's payment request, and generates a credit in the user's name by an amount necessary for processing the payment request.
  • control the investment processing unit to readjust the investment portfolio to be able to generate cash by the amount corresponding to the payment processing unit and the credit for processing the payment request, and cash in the investment account according to the portfolio readjustment of the investment processing unit
  • it may be configured to include a credit processing unit that repays the credit with the generated cash.
  • the payment processing unit generates a credit by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and the cash of the investment account and the credit amount can be used to process the payment request.
  • the credit processing unit may control the investment processing unit to readjust the investment portfolio in consideration of the repayment period of the loan and the cash generation time according to the portfolio readjustment of the investment processing unit.
  • the payment processing unit may request the investor to deposit a payment amount for processing the payment request.
  • the payment processing unit to check the credit status requiring repayment with reference to the credit information storage unit, In response to the credit status requiring repayment, the payment request may be processed except for the investment portfolio scheduled for rebalancing.
  • the present invention receives a user's payment request, the user creates a credit in the user's name as much as the required amount, and rebalances the investment portfolio in the user's investment account to generate cash corresponding to the loan and repay the loan, so that the user can immediately cash Investment funds in an investment account that cannot be used can be used like cash.
  • the present invention generates a loan by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and processing the payment request using the cash and the loan amount of the investment account. In consideration of the user's asset status, the payment should be processed flexibly.
  • the present invention allows the user's investment to be managed more rationally by rebalancing the investment portfolio in consideration of the loan repayment deadline and the cash generation timing according to the portfolio readjustment.
  • the present invention makes it possible to plan credit repayment by requesting the user to deposit the payment amount for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account.
  • the present invention makes it possible to plan credit repayment by checking the loan status requiring repayment and processing the payment request except for the investment portfolio scheduled to be readjusted in response to the credit status requiring repayment.
  • FIG. 1 is a configuration diagram illustrating an internal configuration of a payment processing system according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating an example in which the remaining amount excluding the cash holding amount of the investment account according to an embodiment of the present invention is calculated as an amount necessary for processing a payment request and generated as a credit.
  • FIG. 3 is a diagram illustrating an example of exceeding a predetermined ratio of an evaluation amount of an investment account according to an embodiment of the present invention.
  • FIG. 4 is a view showing an example of checking the credit status requiring repayment and processing a payment request in response to the credit status requiring repayment according to an embodiment of the present invention.
  • FIG. 5 is a diagram illustrating a flowchart of a payment processing method using an investment account according to an embodiment of the present invention.
  • the payment processing system receives an investment processing unit for managing an investment portfolio in a user's investment account, the user's payment request, and generates a credit in the user's name by an amount necessary for processing the payment request.
  • control the investment processing unit to readjust the investment portfolio to be able to generate cash by the amount corresponding to the payment processing unit and the credit for processing the payment request, and cash in the investment account according to the portfolio readjustment of the investment processing unit
  • it may be configured to include a credit processing unit that repays the credit with the generated cash.
  • the payment processing unit generates a credit by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and the cash of the investment account and the credit amount can be used to process the payment request.
  • the credit processing unit may control the investment processing unit to readjust the investment portfolio in consideration of the repayment period of the loan and the cash generation time according to the portfolio readjustment of the investment processing unit.
  • the payment processing unit may request the investor to deposit a payment amount for processing the payment request.
  • the payment processing unit to check the credit status requiring repayment with reference to the credit information storage unit, In response to the credit status requiring repayment, the payment request may be processed except for the investment portfolio scheduled for rebalancing.
  • the payment processing system may be configured in the form of a server including a central processing unit (CPU) and a memory (Memory) and connectable to other terminals through a communication network such as the Internet.
  • a server including a central processing unit (CPU) and a memory (Memory) and connectable to other terminals through a communication network such as the Internet.
  • the present invention is not limited by the configuration of the central processing unit and the memory.
  • the tax information providing system according to the present invention may be physically configured as one device or may be implemented in a distributed form among a plurality of devices.
  • FIG. 1 is a configuration diagram illustrating an internal configuration of a payment processing system according to an embodiment of the present invention.
  • the payment processing system may be composed of an investment processing unit 110 , a payment processing unit 120 , a credit processing unit 130 , and a credit information storage unit 140 , and each of the components is physically within the same computer system. It may be a software module that operates in , and may be configured so that two or more physically separated physical devices can operate in conjunction with each other, and various embodiments including the same function fall within the scope of the present invention.
  • the investment processing unit 110 manages the investment portfolio in the user's investment account.
  • the user's investment account is an account in the user's name where funds such as stock certificates and bonds can be turned for profit or an account in which financial assets can be managed.
  • a portfolio may be a statement of various financial assets held by individual financial institutions or individuals, and is a form of diversifying investment in several stocks as part of reducing risk and maximizing investment returns in investment in financial products.
  • the investment processing unit 110 may manage financial assets in the user's investment account.
  • the investment processing unit 110 is characterized in that it manages the investment portfolio in the user's investment account by using a machine learning (Machine Learning) method.
  • the investment processing unit 110 manages the investment portfolio in the user's investment account so that the user can automatically form the investment portfolio without directly processing the transaction order.
  • the payment processing unit 120 receives the user's payment request, generates a credit in the user's name by an amount necessary for processing the payment request, and processes the payment request.
  • the user may perform payment such as cash payment, credit card payment, mobile phone micropayment, etc. in order to conduct economic activities, and a cost is required to make the payment.
  • the payment processing unit 120 may receive a payment request from an institution that processes payment, and may check amount information required when the user makes payment.
  • the payment processing unit 120 determines whether the user can lend an amount equal to the amount information required for payment by the user in the user name, and when the credit is possible in the user name, generates a credit in the user name and processes the payment request.
  • the credit in the user's name refers to a financial institution lending money to a customer in the name of the user, and the payment processing unit 120 may generate credit information for lending an amount necessary for the user to make a payment.
  • the payment processing unit 120 checks the user's investment account, determines whether the user can credit the product already invested by the user as collateral in the user's name as much as the amount paid by the user, and credits the product invested by the user in the user's name as collateral If you can, you can create a credit in your name and authorize your payment request.
  • the payment processing unit 120 may check the user's investment account and evaluate the value of the investment account in the user's name to check the evaluation amount of the investment account, and whether it can be credited in the user's name based on the evaluation amount of the user's investment account can judge If a credit can be made in the user's name based on the evaluation amount of the user's investment account, a credit may be created in the user's name and the user's payment request may be approved.
  • the payment processing unit 120 may receive the user's payment request, determine the amount required to process the payment request, and evaluate the value of the investment product included in the user's investment account as cash.
  • the payment processing unit 120 determines whether the value of the investment product included in the user's investment account in cash reaches a certain level of the amount required for processing the payment request, and when it reaches a certain level, the user equals the amount required for processing the payment request You can create a credit in your name to process payment requests.
  • the payment processing unit 120 may receive the user's payment request for 200,000 won, , it is possible to process a payment request so that a user can purchase a product worth 200,000 won by creating a credit in the user's name by 200,000 won.
  • the payment processing unit 120 generates a credit by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and pays using the cash and the credit amount of the investment account process the request.
  • the payment processing unit 120 receives the user's payment request, checks the balance of the user's investment account to check the amount of cash, and then subtracts the amount of cash in the user's investment account from the amount required to process the user's payment request. You can create a goddess in your name.
  • the payment processing unit 120 may check the balance of the user's investment account to check the user's cash holding amount, and process the payment request by generating a credit in the user's name for an amount excluding the cash holding amount from the amount required for processing the payment request. .
  • the payment processing unit 120 calculates the remaining amount excluding the amount of cash held in the investment account as the amount required to process the payment request and generates a loan, which has the advantage that the user can use the cash held by the user first, and by receiving less loan It has the advantage of saving interest on loans and protecting users' assets by selling less investment products they have.
  • the payment processing unit 120 is 15 excluding the cash balance of 50,000 won included in the user's investment account
  • a payment request can be processed so that the user can purchase an item worth 200,000 won.
  • the payment processing unit 120 requests the user to deposit the payment amount for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account.
  • the payment processing unit 120 may check the user's investment account and evaluate the value of the investment account in the user's name to check the evaluation amount of the investment account, and whether it can be credited in the user's name based on the evaluation amount of the user's investment account can judge When the amount required for processing the payment request is less than a certain percentage of the evaluation amount of the investment account, the payment processing unit 120 may approve the payment request by determining that the product of the investment account can be used as collateral as collateral, and the evaluation of the investment account If it exceeds a certain percentage of the amount, it may be judged that it is not possible to make a loan using the product in the investment account as collateral, and thus it may be determined that the payment request cannot be approved.
  • the payment processing unit 120 determines that the value of the product in the investment account is insufficient than the amount required for processing the payment request, and determines that the payment request cannot be approved, and provides the user with In order to process the payment request, the user may be requested to deposit the payment amount.
  • the payment processing unit 120 is a case in which the value of the evaluation amount of the user's investment account is evaluated less than the amount required for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account, When selling an investment product included in an investment account, it can be prevented from being sold for an amount less than the amount required to process a payment request.
  • a predetermined ratio of the evaluation amount of the investment account may be designated by a user, and the investment processing unit 110 may designate a ratio suitable for investment management through machine learning.
  • the payment processing unit 120 may be a criterion for determining that the evaluation amount of the investment account is insufficient, and the user The evaluation amount of the investment account may be 220,000 won.
  • the payment processing unit 120 may request the user to deposit a payment amount corresponding to 200,000 won to the user.
  • the credit information storage unit 140 stores credit information about the credit generated for payment and the repayment status of the credit.
  • the credit information storage unit 140 may store information about the created credit in the user's name as much as an amount necessary for processing the payment request.
  • the credit information storage unit 140 may store information on the repayment status of the credit when the user repays the created credit.
  • the credit information storage unit 140 may store the credit information generated for payment and the credit information on the repayment status of the credit in correspondence with the repayment deadline of the credit.
  • the credit information storage unit 140 may store the credit information generated for payment and the credit information on the repayment status of the credit in response to the credit amount.
  • the credit information storage unit 140 can more effectively manage the credit schedule for repaying the credit by storing the user's credit and credit information on the repayment status of the credit, respectively, and the cash generation time according to the rebalancing of the portfolio in the investment account By rebalancing the portfolio in consideration of
  • the credit information storage unit 140 indicates that the user's repayment period of the loan for 200,000 won is 2021 It is possible to store credit information in response to the fact that it is March 15th.
  • 100,000 won is created in the user's name on February 18, 2021, the user can store credit information in response to the repayment deadline of the loan for 100,000 won is March 18, 2021.
  • the user's credit information may be stored in the credit information storage unit 140 that is a total of 300,000 won, and when the loan for 200,000 won is repaid on March 15, 2021, the credit information storage unit 140 is the user's 300,000 won You can repay 200,000 won and store credit information that the user has a loan of 100,000 won as of March 15, 2021.
  • the payment processing unit 120 refers to the credit information storage unit 140 to check the credit status requiring repayment, and processes the payment request except for the investment portfolio scheduled to be readjusted in response to the credit status requiring repayment.
  • the payment processing unit 120 receives the user's payment request, checks the amount required for processing the payment request, and checks the credit status of the user by referring to the credit information storage unit 140 to confirm the credit status of the user who needs repayment. check whether The payment processing unit 120 evaluates the investment account amount by subtracting the amount corresponding to the credit required for redemption from the user's investment account when there is a credit in the name of the user requiring repayment, and the evaluation amount of the investment account is used to process the payment request If it is less than a certain percentage of the amount required for payment, a payment request can be processed by creating a credit in the user's name.
  • the payment processing unit 120 refers to the credit information storage unit 140 to check the credit status requiring repayment, and in response to the credit status requiring repayment, when processing the payment request by excluding the investment portfolio scheduled to be readjusted, it is already created in the investment account By creating a new credit in consideration of the old credit, there is no difficulty in repaying the new credit.
  • the credit information storage unit 140 indicates that the user's repayment period of the loan for 200,000 won is 2021 It is possible to store credit information in response to the fact that it is March 15th. If the user paid an amount corresponding to 100,000 won on February 18, 2021, the payment processing unit 120 may receive a payment request for 100,000 won, and the payment processing unit 120 determines that the amount the user has to repay is 20 It can be confirmed in the credit information storage unit 140 that it is 10,000 won.
  • the payment processing unit 120 checks the user's investment account to determine whether there is an amount corresponding to the evaluation amount of the investment account of 100,000 won except for the amount of 200,000 won that the user has to repay, and the amount that the user needs to repay is 200,000 won If the evaluation amount of the excluded investment account is not at a rate corresponding to 100,000 won, the payment request can be processed. If the evaluation amount of the investment account exceeds the ratio equivalent to 100,000 won, excluding the amount that the user has to repay, 200,000 won, the approval of the payment request cannot be processed or the payment amount may be deposited to the user for processing the payment request. you can request
  • the loan processing unit 130 controls the investment processing unit 110 to readjust the investment portfolio so that cash can be generated by the amount corresponding to the loan, and when cash is generated in the investment account according to the portfolio readjustment of the investment processing unit 110, it is generated repay the loan in cash.
  • the credit processing unit 130 may control the investment processing unit 110 to readjust the investment portfolio so that the amount corresponding to the credit generated by the payment processing unit 120 can be converted into cash.
  • the investment processing unit 110 operates the investment portfolio in the user's investment account according to the readjustment control in the credit processing unit 130 to generate cash in the investment account, and the credit processing unit 130 generates cash in the investment account The credit in the user's name can be repaid in cash.
  • the credit processing unit 130 may control the investment processing unit 110 to sell the investment product in the name of the user so as to cash the amount corresponding to the credit generated by the payment processing unit 120, and the investment processing unit 110 can sell the investment product so that cash can be generated in the investment account by determining which product is most profitable if the user sells the investment product. Cash generated by selling an investment product from the user's investment account in the investment processing unit 110 is deposited into the user's investment account, and the credit processing unit 130 may repay the credit in the user's name with the deposited cash.
  • the credit processing unit 130 controls the investment processing unit 110 to readjust the investment portfolio in consideration of the repayment period of the loan and the cash generation time according to the portfolio readjustment of the investment processing unit 110 .
  • the created loan has a repayment period for the loan, and it may take some time for the investment account to rebalance the investment portfolio and to generate cash in the investment account.
  • the credit processing unit 130 may control the investment processing unit 110 to readjust the investment portfolio in consideration of the loan repayment deadline and the cash generation timing according to the portfolio readjustment of the investment processing unit 110 .
  • the credit processing unit 130 Control so that the investment processing unit 110 can readjust the investment portfolio so that the investment processing unit 110 can sell the investment product on March 13, 2021 so that the loan can be repaid on March 15, 2021, which is the repayment deadline can do.
  • FIG. 2 is a diagram illustrating an example in which the remaining amount excluding the cash holding amount of the investment account according to an embodiment of the present invention is calculated as an amount necessary for processing a payment request and generated as a credit.
  • the payment processing unit 120 generates a credit by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and pays using the cash and the credit amount of the investment account process the request.
  • the payment processing unit 120 receives the user's payment request, checks the balance of the user's investment account to check the amount of cash, and then subtracts the amount of cash in the user's investment account from the amount required to process the user's payment request. You can create a goddess in your name.
  • the payment processing unit 120 may check the balance of the user's investment account to check the user's cash holding amount, and process the payment request by generating a credit in the user's name for an amount excluding the cash holding amount from the amount required for processing the payment request. .
  • the payment processing unit 120 calculates the remaining amount excluding the amount of cash held in the investment account as the amount required to process the payment request and generates a loan, which has the advantage that the user can use the cash held by the user first, and by receiving less loan It has the advantage of saving interest on loans and protecting users' assets by selling less investment products they have.
  • the payment processing unit 120 receives a payment request corresponding to 200,000 won, and stores the amount of cash in the user's investment account. If it is confirmed (S202), it can be confirmed (S203) that the amount of cash held is 50,000 won.
  • the payment processing unit 120 may create a credit in the user's name of 150,000 won, excluding the amount of cash held in the user's investment account, of 150,000 won, and may process a payment request corresponding to 200,000 won (S204).
  • the credit in the user's name for 150,000 won generated by the payment processing unit 120 may be stored in the credit information storage unit 140 (S205).
  • FIG. 3 is a diagram illustrating an example of exceeding a predetermined ratio of an evaluation amount of an investment account according to an embodiment of the present invention.
  • the payment processing unit 120 requests the user to deposit the payment amount for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account.
  • the payment processing unit 120 may check the user's investment account and evaluate the value of the investment account in the user's name to check the evaluation amount of the investment account, and whether it can be credited in the user's name based on the evaluation amount of the user's investment account can judge When the amount required for processing the payment request is less than a certain percentage of the evaluation amount of the investment account, the payment processing unit 120 may approve the payment request by determining that the product of the investment account can be used as collateral as collateral, and the evaluation of the investment account If it exceeds a certain percentage of the amount, it may be judged that it is not possible to make a loan using the product in the investment account as collateral, and thus it may be determined that the payment request cannot be approved.
  • the payment processing unit 120 determines that the value of the product in the investment account is insufficient than the amount required for processing the payment request, and determines that the payment request cannot be approved, and provides the user with In order to process the payment request, the user may be requested to deposit the payment amount.
  • the payment processing unit 120 is a case in which the value of the evaluation amount of the user's investment account is evaluated less than the amount required for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account, When selling an investment product included in an investment account, it can be prevented from being sold for an amount less than the amount required to process a payment request. That is, it is possible to prevent the amount when the user sold the investment product in the investment account to be converted into cash is lower than the amount paid by the user.
  • the payment processing unit 120 receives a payment request for 200,000 won (S301), and confirms the evaluation amount of the investment account (S302).
  • the evaluation amount of the investment account confirmed by the payment processing unit 120 is 220,000 won, 80% of the 220,000 won is 176,000 won, and it is determined that the 200,000 won required to process the payment request exceeds 80% of the 220,000 won.
  • the payment processing unit 120 may request the user to deposit 200,000 won to process the payment request (S304).
  • FIG. 4 is a view showing an example of checking the credit status requiring repayment and processing a payment request in response to the credit status requiring repayment according to an embodiment of the present invention.
  • the credit information storage unit 140 stores credit information about the credit generated for payment and the repayment status of the credit.
  • the credit information storage unit 140 may store information about the created credit in the user's name as much as an amount necessary for processing the payment request.
  • the credit information storage unit 140 may store information on the repayment status of the credit when the user repays the created credit.
  • the credit information storage unit 140 may store the credit information generated for payment and the credit information on the repayment status of the credit in correspondence with the repayment deadline of the credit.
  • the credit information storage unit 140 may store the credit information generated for payment and the credit information on the repayment status of the credit in response to the credit amount.
  • the credit information storage unit 140 can more effectively manage the credit schedule for repaying the credit by storing the user's credit and credit information on the repayment status of the credit, respectively, and the cash generation time according to the rebalancing of the portfolio in the investment account By rebalancing the portfolio in consideration of
  • the payment processing unit 120 refers to the credit information storage unit 140 to check the credit status requiring repayment, and processes the payment request except for the investment portfolio scheduled to be readjusted in response to the credit status requiring repayment.
  • the payment processing unit 120 receives the user's payment request, checks the amount required for processing the payment request, and checks the credit status of the user by referring to the credit information storage unit 140 to confirm the credit status of the user who needs repayment. check whether The payment processing unit 120 evaluates the investment account amount by subtracting the amount corresponding to the credit required for redemption from the user's investment account when there is a credit in the name of the user requiring repayment, and the evaluation amount of the investment account is used to process the payment request If it is less than a certain percentage of the amount required for payment, a payment request can be processed by creating a credit in the user's name.
  • the payment processing unit 120 refers to the credit information storage unit 140 to check the credit status requiring repayment, and in response to the credit status requiring repayment, when processing the payment request by excluding the investment portfolio scheduled to be readjusted, it is already created in the investment account By creating a new credit in consideration of the old credit, there is no difficulty in repaying the new credit.
  • the payment processing unit 120 receives a payment request corresponding to 100,000 won, and the payment processing unit 120 provides credit information
  • the storage unit 140 checks the user's credit status (S402) to confirm the information that the user's credit is 200,000 won (S402).
  • the payment processing unit 120 checks whether there is an evaluation amount corresponding to 100,000 won in the investment account, except for 200,000 won in the user's name (S404). When the evaluation amount corresponding to 100,000 won excluding 200,000 won is confirmed in the investment account (S405), the payment processing unit 120 processes a payment request for 100,000 won (S406). If the investment account lacks an evaluation amount corresponding to 100,000 won excluding 200,000 won, the payment processing unit 120 cannot process the payment request for 100,000 won, so the payment amount is provided to the user in order to process the payment request for 100,000 won.
  • Request to deposit For example, when a user requests a payment of 100,000 won to pay for an item worth 100,000 won (S401), the payment processing unit 120 receives a payment request corresponding to 100,000 won, and the payment processing unit 120 provides credit information
  • FIG. 5 is a diagram illustrating a flowchart of a payment processing method using an investment account according to an embodiment of the present invention.
  • the above-described payment processing system using an investment account may be implemented and realized as a payment processing method using an investment account, and the technical idea of the payment processing system using the investment account may be applied as it is.
  • the investment processing step (S501) manages the investment portfolio in the user's investment account.
  • the user's investment account is an account in the user's name where funds such as stock certificates and bonds can be turned for profit or an account in which financial assets can be managed.
  • a portfolio may be a statement of various financial assets held by individual financial institutions or individuals, and is a form of diversifying investment in several stocks as part of reducing risk and maximizing investment returns in investment in financial products.
  • the investment processing step S501 may manage financial assets in the user's investment account.
  • the investment processing step (S501) is characterized in that the investment portfolio is managed in the user's investment account by using a machine learning method.
  • the investment processing step S501 manages the investment portfolio in the user's investment account so that the user can automatically form the investment portfolio without directly processing the transaction order.
  • the payment processing step S502 receives the user's payment request, generates a credit in the user's name as much as an amount required for processing the payment request, and processes the payment request.
  • the user may perform payment such as cash payment, credit card payment, mobile phone micropayment, etc. in order to conduct economic activities, and a cost is required to make the payment.
  • a payment request may be received from an institution that processes a payment, and information on an amount required for a payment by the user may be confirmed.
  • the payment processing step ( S502 ) determines whether the user can lend an amount equal to the amount information required when the user makes a payment, and if the credit is possible in the user name, creates a credit in the user name and processes the payment request.
  • Credit in the user's name refers to lending money from a financial institution to a customer in the name of the user, and the payment processing step ( S502 ) may generate credit information for lending an amount necessary for the user to make a payment.
  • the payment processing step (S502) the user's investment account is checked, the user's already invested product is used as collateral, and the amount paid by the user can be credited in the user's name as collateral, and the user's invested product is used as collateral in the user's name. If you can lend, you can create a credit in the user's name and approve the user's payment request.
  • the payment processing step (S502) may check the user's investment account to evaluate the value of the investment account in the user's name to confirm the evaluation amount of the investment account, and may be credited in the user's name based on the evaluation amount of the user's investment account It can be determined whether If a credit can be made in the user's name based on the evaluation amount of the user's investment account, a credit may be created in the user's name and the user's payment request may be approved.
  • the payment processing step ( S502 ) may include receiving the user's payment request, determining an amount required for processing the payment request, and evaluating the value of the investment product included in the user's investment account as cash.
  • the payment processing step (S502) determines whether the value of the investment product included in the user's investment account in cash reaches a certain level of the amount required for processing the payment request, and when it reaches a certain level, the amount required for processing the payment request You can process payment requests by creating a credit in your name.
  • the payment processing step (S502) generates a credit by calculating the remaining amount excluding the cash holding amount of the investment account among the payment amounts included in the payment request as an amount necessary for processing the payment request, and using the cash and credit amount of the investment account Process payment requests.
  • the payment processing step (S502) receives the user's payment request, checks the balance of the user's investment account to check the cash holding amount, and then excludes the user's investment account cash holding amount from the amount required for processing the user's payment request. You can create a credit in your name.
  • the user's cash holding amount is checked by checking the balance of the user's investment account, and the payment request can be processed by creating a credit in the user's name for the amount excluding the cash holding amount from the amount required for processing the payment request. have.
  • the user can use the cash held by the user first by calculating the remaining amount except for the amount of cash in the investment account as the amount required for processing the payment request, By doing so, you can save interest on the loan, and you can protect the user's assets by selling less investment products that the user has.
  • the payment processing step S502 requests the user to deposit the payment amount for processing the payment request when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account.
  • the payment processing step (S502) may check the user's investment account to evaluate the value of the investment account in the user's name to confirm the evaluation amount of the investment account, and may be credited in the user's name based on the evaluation amount of the user's investment account It can be determined whether In the payment processing step (S502), if the amount required for processing the payment request is less than a certain percentage of the evaluation amount of the investment account, it is determined that the loan can be made using the product of the investment account as collateral, and the payment request may be approved, If it exceeds a certain percentage of the evaluation amount, it may be judged that it is not possible to make a loan using the product in the investment account as collateral, and thus it may be determined that the payment request cannot be approved.
  • the payment processing step (S502) when the evaluation amount of the investment account exceeds a certain percentage, it is determined that the value of the product in the investment account is insufficient than the amount required for processing the payment request, and it is determined that the payment request cannot be approved, so that the user You can request the user to deposit the payment amount to process the payment request.
  • the payment processing step (S502) when the amount required for processing the payment request exceeds a predetermined ratio of the evaluation amount of the investment account, the value of the evaluation amount of the user's investment account is evaluated to be less than the amount required for processing the payment request, and , when selling the investment product included in the investment account, it can be prevented from being sold for an amount less than the amount required to process the payment request.
  • a predetermined ratio of the evaluation amount of the investment account may be designated by a user, and a ratio suitable for investment management may be designated through machine learning in the investment processing step (S501).
  • Credit information step (S504) stores the credit information about the credit and repayment status of the credit generated for payment.
  • the credit information step (S504) may store information about the created credit in the user's name as much as an amount necessary for processing the payment request.
  • the credit information step (S504) may store information on the repayment status of the credit when the user repays the created credit.
  • the credit information step (S504) may store the credit information generated for the payment and the credit information on the repayment status of the credit in correspondence with the repayment deadline of the credit.
  • the credit information step (S504) may store the credit information generated for the payment and the credit information on the repayment status of the credit in response to the credit amount.
  • the credit information step (S504) can more effectively manage the credit schedule for repaying the credit by storing the credit information on the user's credit and the repayment status of the credit, respectively, and the time of cash generation according to the rebalancing of the portfolio in the investment account By rebalancing the portfolio in consideration, it is possible to efficiently manage investment funds in the user's investment account.
  • the settlement processing step (S502) refers to the credit information step (S504) to check the credit status requiring repayment, and processes the payment request except for the investment portfolio scheduled to be readjusted in response to the credit status requiring repayment.
  • the payment processing step (S502) receives the user's payment request, confirms the amount required for processing the payment request, and checks the credit status of the user by referring to the credit information step (S504). check whether The payment processing step (S502) evaluates the investment account amount by excluding the amount corresponding to the credit required for redemption from the user's investment account when there is a credit in the user's name requiring repayment, and the evaluation amount of the investment account is the amount of the payment request If it is less than a certain percentage of the amount required for processing, a payment request can be processed by creating a credit in the user's name.
  • the payment processing step (S502) refers to the credit information step (S504) to check the credit status requiring repayment, and in response to the credit status requiring repayment, when processing the payment request by excluding the investment portfolio scheduled to be readjusted, the investment account has already been created By creating a new credit in consideration of the old credit, there is no difficulty in repaying the new credit.
  • the credit processing step (S503) controls the investment processing step (S501) to readjust the investment portfolio so that cash can be generated by the amount corresponding to the loan, and the cash in the investment account according to the portfolio readjustment of the investment processing step (S501) When created, the credit is repaid with the generated cash.
  • the credit processing step ( S503 ) may control the investment processing step ( S501 ) to readjust the investment portfolio so that the amount corresponding to the credit generated in the settlement processing step ( S502 ) can be turned into cash.
  • the investment processing step (S501) allows the user to manage the investment portfolio in the user's investment account according to the rebalancing control in the credit processing step (S503) to generate cash in the investment account, and the credit processing step (S503) is the cash to the investment account When this is created, the credit in the user's name can be repaid with cash.
  • the investment processing step (S501) can be controlled to sell the investment product in the name of the user so that the amount corresponding to the loan generated in the payment processing step (S502) can be cashed, and the investment processing In step S501, the investment product may be sold so that cash can be generated in the investment account by determining which product is most profitable when the user sells the investment product.
  • the cash generated by selling the investment product from the user's investment account is deposited into the user's investment account, and the credit processing step (S503) with the deposited cash may repay the credit in the user's name.
  • the credit processing step (S503) controls to readjust the investment portfolio in the investment processing step (S501) in consideration of the repayment period of the loan and the cash generation time according to the portfolio readjustment of the investment processing step (S501).
  • the created loan has a repayment period for the loan, and it may take some time for the investment account to rebalance the investment portfolio and to generate cash in the investment account.
  • the credit processing step S503 may control the investment portfolio to be readjusted in the investment processing step S501 in consideration of the loan repayment deadline and the cash generation timing according to the portfolio readjustment of the investment processing step S501 .
  • Such a payment processing method may be implemented as an application or implemented in the form of program instructions that may 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 in the computer-readable recording medium are specially designed and configured for the present invention, and may be known and available to those skilled in the computer software field.
  • Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CDROM and DVD, and magneto-optical media such as floppy disks. , 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 for carrying out the processing according to the present invention, and vice versa.
  • the present invention relates to a payment processing system and a method therefor, wherein an investment processing unit that manages an investment portfolio in a user's investment account, receives the user's payment request, and provides a credit in the user's name by an amount necessary for processing the payment request and a payment processing unit for generating and processing the payment request and controlling the investment processing unit to readjust the investment portfolio to generate cash by the amount corresponding to the credit, and cash in the investment account according to the portfolio readjustment of the investment processing unit
  • it may be configured to include a credit processing unit that repays the credit with the generated cash.

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Abstract

La présente invention concerne un système de traitement de paiement et un procédé associé. Le système peut comprendre : une unité de traitement d'investissement qui actionne un portefeuille d'investissement dans un compte d'investissement d'un utilisateur ; une unité de traitement de paiement qui reçoit une demande de paiement de l'utilisateur, et traite la demande de paiement en créant un prêt au nom de l'utilisateur, le prêt étant en quantité nécessaire pour traiter la demande de paiement ; et une unité de traitement de prêt qui commande l'unité de traitement d'investissement pour réajuster le portefeuille d'investissement de façon à pouvoir générer des espèces dans une quantité correspondant au prêt, et, si des espèces sont générées dans le compte d'investissement suite au réajustement du portefeuille par l'unité de traitement d'investissement, rembourse le prêt avec les espèces générées.
PCT/KR2021/017752 2020-11-30 2021-11-29 Système de traitement de paiement et procédé associé WO2022114888A1 (fr)

Applications Claiming Priority (4)

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KR10-2020-0164520 2020-11-30
KR20200164520 2020-11-30
KR10-2021-0165435 2021-11-26
KR1020210165435A KR20220076350A (ko) 2020-11-30 2021-11-26 결제 처리 시스템 및 방법

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WO2022114888A1 true WO2022114888A1 (fr) 2022-06-02

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070079262A (ko) * 2006-02-01 2007-08-06 주식회사 비즈모델라인 계좌 운용방법 및 시스템과 이를 위한 프로그램 기록매체
KR20080022901A (ko) * 2006-09-08 2008-03-12 주식회사 신한은행 대출정보 제공 시스템
KR101681767B1 (ko) * 2015-08-13 2016-12-02 주식회사 파워플러스시스템 하이브리드 계좌를 이용한 자동투자 관리 방법 및 이를 수행하기 위한 시스템
JP2017188111A (ja) * 2016-04-05 2017-10-12 株式会社野村総合研究所 資産運用・債務返済シミュレーション生成装置、プログラム及び方法
KR102121476B1 (ko) * 2019-07-16 2020-06-10 최준호 대환 대출 플랫폼을 통한 신용 등급 관리 방법, 장치 및 컴퓨터 판독 가능 기록 매체

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070079262A (ko) * 2006-02-01 2007-08-06 주식회사 비즈모델라인 계좌 운용방법 및 시스템과 이를 위한 프로그램 기록매체
KR20080022901A (ko) * 2006-09-08 2008-03-12 주식회사 신한은행 대출정보 제공 시스템
KR101681767B1 (ko) * 2015-08-13 2016-12-02 주식회사 파워플러스시스템 하이브리드 계좌를 이용한 자동투자 관리 방법 및 이를 수행하기 위한 시스템
JP2017188111A (ja) * 2016-04-05 2017-10-12 株式会社野村総合研究所 資産運用・債務返済シミュレーション生成装置、プログラム及び方法
KR102121476B1 (ko) * 2019-07-16 2020-06-10 최준호 대환 대출 플랫폼을 통한 신용 등급 관리 방법, 장치 및 컴퓨터 판독 가능 기록 매체

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