KR20000049704A - Method for providing payment service of expense of a society - Google Patents

Abstract

The present invention relates to a group dues payment service method, and in particular, a group dues for making payments using various payment methods such as credit cards, debit cards, electronic money, etc. on the Internet or using an automatic answering system. It relates to a secondary service method.

According to the present invention, a first step of determining whether the user is required to pay dues when logged in; A second step of transmitting a list of selectable payment methods to the user when the user requests payment of a fee; Requesting the user to transmit user information necessary for payment processing of the selected payment method when the user selects a payment method, and receiving user information from the user; And a fourth step of performing a payment using the user information received from the user.

Description

Method for providing payment service of expense of a society}

The present invention relates to a group dues payment service method, and in particular, a group dues for making payments using various payment methods such as credit cards, debit cards, electronic money, etc. on the Internet or using an automatic answering system. It is about payment service method.

Conventionally, in order to collect dues and expenses in a group or an arbitrary organization, a method of raising funds through a bank account transfer or offline directly has been used. The advantage of using a bank transfer is that you can collect your dues regularly during the transfer period, while you don't apply for bank transfers or reapply after the expiration of a certain period. There was a problem with this difficulty. In addition, there is an advantage in that it is easy to raise dues when directly raising offline, while there is a problem that can not raise the dues regularly.

On the other hand, with the recent use of the Internet, the living environment is rapidly spreading to cyberspace on the Internet, and various payment methods for commerce on the Internet have been developed accordingly. Therefore, if it is possible to raise the dues or expenses of various meetings by using the payment method on the Internet, it would be good to provide various payment methods to members. This will also be in line with the trend of recently encouraging the use of credit cards to lead nationally transparent tax administration and providing income deductions to workers and employers using credit cards. In addition, meetings and voluntary organizations are guaranteed a stable income to raise dues, expenses, etc., which is the basis for normal operation of meetings and groups.

In addition, in addition to providing a service for paying dues by accessing a web server on the Internet, it would be nice to be able to support the payment of dues for users of telephones or mobile communication terminals using an automatic answering system.

This will not only limit the fee payment service to Internet users, but it will not only provide a wider user base, but also increase the convenience for members by providing various fee payment methods.

Accordingly, the present invention has been made in view of the above, and provides a group dues payment service method using the Internet, which allows members to pay dues of various groups using payment methods such as credit cards, debit cards, and electronic money on the Internet. For that purpose.

In addition, an object of the present invention is to provide a group dues payment service method to a telephone user or a mobile terminal user using an automatic answering system in addition to providing a dues payment service using the Internet.

In addition, an object of the present invention is to provide a group dues payment service method that enables a group dues payment to a telephone user or a mobile terminal user using an automatic answering system.

1 is a view showing a network connection state in a group dues payment service method using the Internet according to an embodiment of the present invention.

2A to 2C are diagrams illustrating screens provided to Internet users in a method for paying a group dues using the Internet according to an embodiment of the present invention.

3 is a flow chart of a group dues payment service method using the Internet according to an embodiment of the present invention.

4 is a diagram illustrating a network connection state in a group dues payment service method using the Internet according to another embodiment of the present invention.

5A through 5E are diagrams illustrating screens provided to Internet users in a method for paying a group dues using the Internet according to another exemplary embodiment of the present invention.

6 is a flowchart illustrating a method of paying a group dues service using the Internet according to another embodiment of the present invention.

7 is a flowchart of a payment processing process of FIG. 6.

8 is a flowchart illustrating a method of paying a group dues service using a deadline response system according to another exemplary embodiment of the present invention.

* Explanation of symbols for the main parts of the drawings

110a ~ 110n: Internet user 120: Internet

130: club service server 140: payment system

410: computer 415: connection server

420: membership payment server 425: credit card based payment system

430: credit card company 440: automatic response system

445 telephone network 450 telephone

455: swap gateway 460: mobile communication network

465: mobile communication terminal

In order to achieve the above object, the present invention includes a first step of determining whether the user is required to pay dues when logged in; A second step of transmitting a list of selectable payment methods to the Internet user when the user requests payment of a fee; Requesting the Internet user to transmit user information necessary for payment processing of the selected payment method when the user selects a payment method, and receiving user information from the user; And a fourth step of performing a payment using the user information received from the user.

The present invention also provides an automatic response system comprising: a first step of transmitting a service selection announcement as a user accesses; A second step of transmitting a group selection announcement as the user selects a dues payment service; A third step of transmitting a payment method selection guide when selecting an organization for which the membership fee is to be paid; A fourth step of transmitting the personal information input announcement according to the selected payment method according to the selection of the payment method; And a fifth step of receiving personal information and performing payment processing.

Now, the preferred embodiment of the present invention will be described in detail with reference to FIGS. 1 to 8.

1 is a view showing a network connection state in a group dues payment service method using the Internet according to an embodiment of the present invention.

Referring to FIG. 1, the Internet users 110a to 110n may access the group service server 130 through the Internet 120, and the group service server 130 may access the payment system 140 through a dedicated line. have.

Now, the group due payment service method using the Internet according to an embodiment of the present invention will be described in detail.

First, when the Internet users 110a to 110n access and log in to the group service server 130 through the Internet 120, the group service server 130 sends the group introduction web to the Internet users 110a to 110n as shown in FIG. 2A. Links to pages, community news web pages, related site-provided web pages, and dues payment web pages.

And, if the Internet users (110a ~ 110n) wants to pay dues, the group service server 130 transmits a payment method selection screen as shown in Figure 2b to the Internet users (110a ~ 110n), the Internet users (110a ~ 110n) to pay When a payment method is selected on the means selection screen, the Internet user 110a to 110n is requested to transmit user information to enable payment processing according to the selected payment method.

In this case, an example of a screen provided when the payment method is a credit card is illustrated in FIG. 2C, in which the name input window 201, the card number input window 202, and the card expiration date selection window 203 are shown. , Fee selection window 204, payment method selection window 205 is provided, Internet users (110a ~ 110n) input the necessary information on the provided screen, and sent to the club service server 130, the club service server Request the payment processing (130).

In addition, the group service server 130 that has received a payment processing request is linked with the payment system 140 to perform a payment.

3 is a flow chart of a group dues payment service method using the Internet according to an embodiment of the present invention.

First, when an Internet user accesses, the fellowship service server provides an initial screen to the Internet user (step S101).

Next, after the Internet user logs in (step S102), a list of selectable payment methods is provided if a fee is to be paid (step S103).

Subsequently, when the Internet user selects a payment method (step S104), the fellowship service server requests the Internet user to transmit user information so that payment processing can be performed using the selected payment method (step S105).

Next, the user information is received from the Internet user (step S106), and payment processing is performed (step S107).

4 is a diagram illustrating a network connection state in a group dues payment service method using the Internet according to another embodiment of the present invention.

Referring to FIG. 4, a user may access the membership payment server 420 through the computer 410 and the access server 415, and the membership payment server 420 may use a credit card-based payment system through a dedicated line. 425, and the credit card-based payment system 425 may access the credit card company 430 via a leased line or the like.

Here, the fee payment agent server 420 has a database 421 that stores group information and member information of the group.

In addition, the user may be provided with the dues payment service by accessing the automatic answering system 440 through the phone 450 and the phone network 445, and the user may automatically receive the fee payment service through the mobile communication terminal 465 and the mobile communication network 460. By accessing the response system 440, a fee payment service can be provided.

In addition, the user may be connected to the fee payment agent server 420 through the mobile communication terminal 465, the mobile communication network 460, and the swap gateway 455 to receive a fee payment service.

Now, the group due payment service method using the Internet according to another embodiment of the present invention will be described in detail.

First, when an Internet user accesses the fee payment agent server 420 through the access server 415, the fee payment agent server 420 is a home button 501, member registration button 502, group registration button as shown in Figure 5a 503 and an initial screen including a login button 506 are transmitted to the Internet user.

The Internet user who has received the initial screen can register as a member of the dues settlement agency site through the member registration screen provided by pressing the member registration button 502 on the initial screen provided. In addition, the representative of the group that has received the initial screen, etc. can register the group on the dues settlement agency site by using the group registration screen provided by pressing the group registration button 503, wherein the group is the group's billing account number And provide member information.

On the other hand, if an Internet user who received the initial screen inputs an ID in the ID input window 504, inputs a password in the password input window 505, and requests login by pressing the login button 506, The fee payment agent server 420 allows login after the user authentication, and sends a group list providing screen illustrated in FIG. 2B to an Internet user to search for registered groups, and a category. It provides a list of groups classified by categories and a list of recommended groups.

The Internet user who received the group list providing screen can search for the group registered as a member using the group search window (507) and go to the searched group introduction web page, and is registered as a member using the group list classified by category. You can also go to the searched club introduction webpage by searching for the group.

In this case, an example of the provided group introduction web page is illustrated in FIG. 5C, and the text “payment of dues” of the illustrated web page is linked to a payment method selection webpage for payment of dues.

Accordingly, the Internet user who wants to pay the fee can receive the payment method selection screen as shown in FIG. 5D from the fee payment agency server 420 by clicking on the “Pay Due” letter to select the desired payment method.

When the Internet user selects a payment method, the fee payment agent server 420 transmits a user information input screen to the Internet user to request user information for payment processing.

5E illustrates a screen provided when the selected payment method is a credit card. The provided screen includes a name input window 508, a card number input window 509, and a password input window 510. , Fee selection window 511, payment method selection window 512 is provided, the Internet user inputs the input, click the send button 513 to request the payment processing to the fee payment agency server 420 do.

Meanwhile, the fee payment agency server 420, which has been requested to process the payment, performs payment according to a payment method, and sends a confirmation screen to the Internet user to confirm the payment. Pay the dues.

At this time, the payment process in the case of a credit card, the dues payment agent server 420 transmits the user information to the credit card-based payment system 425, the credit card-based payment system 425 received the user information is the user information Is sent to the credit card company 450 to request a credit inquiry, and the credit card company 430, which has been requested for credit inquiry, determines whether to approve the transaction after the credit inquiry, and determines whether the transaction is approved through the credit card-based payment system 425. It is composed of a process of transmitting to the payment service fee server 420.

Meanwhile, the user may use the fee payment service by accessing the answering machine 440 through the phone 450 and inputting information required according to the voice provided from the answering machine 440 through the keypad of the phone.

In addition, the user accesses the automatic answering system 440 through the mobile communication terminal 465 and the mobile communication network 460, and pays dues by inputting required information according to the voice provided from the automatic answering system 440 through the keypad. You can also use the service.

Looking at the dues payment service processing process using the automatic response system 440 as follows.

First, the automatic response system 440 transmits the service selection guidement to the user, and transmits the group selection guidement as the user selects to pay the dues.

Next, when the user selects a group, the payment method selection guide message is transmitted. When the user selects the payment method, the personal information input guide message is transmitted according to the selected payment method.

Thereafter, payment processing is performed as personal information is input.

On the other hand, the holder of the mobile communication terminal 465 is connected to the dues payment agency server 420 through the mobile communication network 460 and the swap gateway 455 to use the screen to be processed according to the swap protocol to provide the dues payment service The process is the same as processing the fee payment service via the Internet.

6 is a flowchart illustrating a method of paying a group dues service using the Internet according to another embodiment of the present invention.

First, when the Internet user accesses, the initial screen is transmitted (step S201), and as the Internet user logs in using the transmitted initial screen (step S202), a registered group list is provided (step S203).

Next, when the Internet user selects a group from the group list (step S204), the dues payment agency server provides the group user web page to the Internet user (step S204).

Thereafter, when the Internet user requests the payment of the fee (step S205), a list of payment methods is provided (step S206), and as the Internet user selects a payment method from the provided payment method list (step S207), Request transmission of user information necessary for payment processing (step S208).

Next, the user information is received from the Internet user (step S209), the payment processing is performed (step S210), and the paid price is paid to the corresponding organization (step S211).

7 is a flowchart of a payment processing process of FIG. 6.

First, when the fee payment agent server transmits the user information received from the Internet user to the credit card-based payment system (step S301), the credit card-based payment system requests a credit inquiry by requesting a transaction approval from the credit card company (step S302). ).

Next, if the credit card company transmits the transaction approval to the credit card-based payment system after the credit inquiry (step S303), the credit card-based payment system transmits the transaction approval to the dues payment agency server (step S304).

In the meantime, although the method of providing the fee payment service through the Internet network has been described, the fee payment service can be implemented through a telephone network or a mobile communication network using an automatic answering device, and a mobile communication terminal using the WAP protocol can be implemented. It can also be implemented to pay dues.

8 is a flowchart illustrating a method of paying a group dues service using an automatic response system according to another exemplary embodiment of the present invention.

First, when a user connects using a telephone or a wireless communication terminal, the automatic answering system transmits a service type announcement that can be provided to the user to select a desired service (step S401).

Next, when the user selects the dues payment service (step S402), the group selection guide message is transmitted (step S403).

Subsequently, when the user selects a group (step S404), the payment method selection guidance for payment of the selected group is transmitted (step S405), and when a payment method is selected (step S406), the user required according to the selected payment method. The information input announcement is transmitted (step S407).

Next, when the user inputs user information (step S408), the payment is processed (step S409), and the process ends.

The present invention described above is not limited to the above-described embodiment and the accompanying drawings, and various substitutions, modifications, and changes are possible within the scope without departing from the technical spirit of the present invention. It will be evident to those who have knowledge of.

As described above, according to the present invention, there is an effect of allowing the payment of dues and expenses of any group or group that cannot accept credit card payments through a credit card, debit card, electronic money, and the like.

In addition, according to the present invention, the group provides a variety of means of payment to the members to facilitate the collection of dues, expenses, etc. As a result, a stable income is secured in the collection of dues, etc. It has the effect of making it possible.

Claims (10)

A first step of determining whether a user is required to pay a fee when a user logs in and logs in; A second step of transmitting a list of selectable payment methods to the Internet user when the user requests payment of a fee; Requesting the Internet user to transmit user information necessary for payment processing of the selected payment method when the user selects a payment method, and receiving user information from the user; And Group payment service method comprising the fourth step of performing the payment using the user information received from the user. The method of claim 1, And the user access of the first step is connected through a mobile communication terminal, a mobile communication network, and a swap gateway. The method of claim 1, A fifth step of transmitting, by the user, an automatic answering system through a telephone network, the automatic answering system sends a service selection announcement to the user; Transmitting a group selection announcement as the user selects a dues payment service; A seventh step of transmitting a payment method selection guide message when the desired group is paid for the membership fee; An eighth step of transmitting a personal information input announcement according to the selected payment method according to the selection of the payment method; And Fee payment service method comprising the ninth step of receiving the personal information for the payment processing. The method according to any one of claims 1 to 3, Group membership payment service method comprising the step of providing a list of organizations registered to be able to pay dues by selecting a group joined as a member among a plurality of organizations in the first step. The method according to any one of claims 1 to 3, The selectable payment means of the second step is a group dues payment service method, characterized in that at least one of a credit card, bank transfer, debit card, electronic money. The method according to any one of claims 1 to 3, And after the fourth step, further comprising a tenth step of issuing a payment receipt to the internet user. The method according to any one of claims 1 to 3, The group dues payment service method further comprises the eleventh step of paying the payment to the group. The automatic answering system includes a first step of transmitting a service selection announcement as a user connects; A second step of transmitting a group selection announcement as the user selects a dues payment service; A third step of transmitting a payment method selection guide when selecting an organization for which the membership fee is to be paid; A fourth step of transmitting the personal information input announcement according to the selected payment method according to the selection of the payment method; And Group fee payment service method comprising the fifth step of receiving the personal information to perform the payment processing. The method of claim 8, The first step user access is a group dues payment service method characterized in that the connection through the telephone network. The method of claim 8, The user fee of the first step is a group dues payment service method characterized in that the access through the mobile communication terminal and the mobile communication network.