KR20020094323A - A commission computation system and method of cash service utilization credit card through internet - Google Patents

Abstract

PURPOSE: A cash service fee minimization system and method is provided to enable a user to input the kinds of credit card of the user's own and a needed amount of a cash service, to calculate a fee rate for each credit card, and to rank the calculated fee rate from the lowest to highest. CONSTITUTION: The method comprises steps of enabling a user to access a credit card management site and to log in the site, reading user data from the first database, executing a customization service module, displaying the user data on a web page, enabling the user to select a fee minimization program and to input an amount of the cash service(S41), reading the service usage days for each credit card based on a payment date stored at the second database(S42), arranging the credit cards according to the usage days(S43), reading the cash service fee rate for each credit card stored at the third database(S44), arranging the credit cards according to the fee rate(S45), integrating the rank of the usage days with that of the service fee rate, rearranging the credit cards, and storing the rearranged rank at the fourth database(S46), checking the cash service amount limit from the first ranked credit card(S47), accumulating the cash service amount from the first ranked credit card to the next until the total accumulated service amount satisfies the input service amount and storing the specifications like a credit card name, a corresponding service amount and fee at the fifth database(S48), and outputting the cash service specifications(S49).

Description

A commission computation system and method of cash service utilization credit card through internet}

The present invention relates to a system for calculating and providing a minimum fee rate when using a cash service using a credit card through the Internet, and more specifically, a user accesses a credit card management site, joins a member, registers his / her own credit card information and cash. If you enter only the amount of service required, the cash service fee rate is calculated according to the fee rate of each credit card, so that the card with the lowest completion rate is ranked first, and the priority card is used for cash service. The fee rate when using a credit card through the Internet to prevent users from paying a high rate of delinquency and personal credit due to the delinquency by reconfirming the payment and settlement date before the payment date. Minimization Estimation and Provision System.

In general, credit cards can be used in the same manner as cash according to their creditworthiness instead of cash, and are similar to cash that can be cashed through cash services and loan services, or used instead of cash when purchasing goods, and the payment to be paid on a later settlement date. It is a payment method.

The number of credit cards has increased with the activation of the Internet, and the use of cash and loan services during the use of domestic credit cards is increasing day by day.

* According to the Korea Credit Finance Association, as of the end of 2000, the total number of cards issued by domestic card companies is 54 million.

Given that there are 22 million active population in Korea over 15 years old, the number of cards per active population is 2.5. Considering that card issuance starts at 18 years of age or older, this means that a single adult usually has more than two or three cards.

In addition, according to the Financial Supervisory Service on May 27, 2001, by the end of March, the amount of credit card members used by installment and cash service card loans amounted to 89,943.4 billion won.

The most used by cardholders is the cash service that temporarily borrows a small amount of cash, accounting for 62.6% of the total (56.388 trillion won). This is a 150% increase over the same period last year.

Card loans amounted to KRW 5,146 billion, up 73% from the first quarter of last year.

If you calculate roughly the monthly fee of the cash service usage amount based on the bank card company, you can see that it is about 375,916,000,000 won (376.96 billion won).

As the number and amount of credit card issuance and use increases, users who become bad crediters due to indiscriminate use of credit cards are increasing, and users who receive cash services with multiple cards and pay for other cards Increasingly, it was found that they felt a psychological or economic burden on payments such as fees that were added to the principal.

In particular, if you use a card with a high commission rate when you receive cash service from a card and pay the cash amount of another card again, you will incur a high rate fee on the cash service principal. Even if the money is used to pay, the fee does not reduce the debt and the cash service principal increases.

If you use multiple cards as above, you can't know which card's commission rate is high or low, and even if you know it, you need to know all the fees of the card company you own. By multiplying by how much it takes to find out how much a fee will be paid, it takes a lot of time to actually calculate the fact that most users are only using the card as a rough guess. However, if the credit card cash service usage amount of 56,387,400,000,000 won (56.388 trillion won) was used for three months from January to March 2001, it would be approximately 33,800,000,000 won. In the long term, the household burden is expected to be greatly reduced in the long term.

The present invention is to solve the above problems, when the user is connected to the credit card management site, join the membership only to enter their own credit card information and cash service required amount according to the fee rate for each day of use of each credit card Calculate the cash advance fee rate, search all credit cards available on the payment date among the credit cards you have, and calculate how the fee will be minimized using the remaining credit card. By using the cash service from the first priority card, the credit card can minimize the commission rate when using the cash service, while reconfirming the payment amount and the settlement date before the payment date, thereby reducing the personal credit rating due to the delinquent payment and the high rate of delinquency fee. Will bear Through the Internet to prevent one in advance using a credit card samneunda the technical challenges of providing cash services that drive commissions calculated and minimized delivery system.

The present invention for this purpose and the computer of the user who is the card holder to receive cash service; The first database for storing the data of all the cards owned by the user when registering to the member via the Internet, the second database for storing the date of the user's use of cash service, and the various credit card cash service fee rates of the user A third database to be stored, a fourth database for arranging cards according to a credit card fee rate, and the data stored therein, and the fourth database when paying for the use of the card by cash service; In the payment by card ranking, a fifth database in which the remaining payment amount is stored so as to store the insufficient amount when the payment is insufficient and complete the payment using the next rank card, and the data stored in each database Manage to collect, classify, calculate, and update systems to manage It is characterized by consisting of a credit card management site consisting of a server.

1 is a block diagram showing a hardware configuration of the present invention.

Figure 2 is a flow chart schematically showing the overall flow of the present invention.

Figure 3 is a flow chart of the membership registration step of the present invention.

Figure 4 is a flow chart of the membership approval step of the present invention.

Figure 5 is a flow chart of the card use status calculation and result value output step of the present invention.

Figure 6 is a flow chart of the payment or cash service application step of the present invention.

Figure 7 is a fee rate table for each card applied to the present invention

<Description of Signs of Major Parts of Drawings>

10: user computer 11: web browser

20: credit card management site 30: management server

40: database portion 41: first database

42: second database 43: third database

44: fourth database 45: fifth database

100: system N: Internet

As shown in FIG. 1 of the accompanying drawings, the present invention provides a computer 10 of a user who is a cardholder who wants to receive cash service in hardware; A first database 41 in which data recording information of all cards owned by a user when a user joins a member through the Internet, a second database 42 in which a user's date of using cash service is stored, and various kinds of users A third database 43 in which credit card cash service fee rates are stored, a fourth database 44 in which data is stored by arranging the cards in a rank given according to each credit card fee rate, and the price for using the card In the case of payment by cash service, the remaining amount of payment is stored so as to save the insufficient amount when the payment amount is insufficient in the payment by the card ranking stored in the fourth database 44 and complete the payment using the next ranking card. Collect, classify, calculate and update the data stored in the fifth database 45 and the respective databases 41, 42, 43, 44, and 45 It consists of a credit card management site 20 consisting of a management server 30 to manage the system 100.

The overall flow of the present invention configured as described above in hardware is shown in the accompanying drawings, as shown in Fig. 2, in which a user accesses the management server 30 of the credit card management site 20 through the Internet using a computer ( S10) and the user agrees to the terms and conditions presented by the management server after providing the personal information and the information on the owned credit card to the management server 30 of the credit card management site 20 so that the user can be provided with the service after access. After the member registration step (S20) and the member registration step (S20) to join the member after confirming the member's real name and information based on the user's personal information and credit card information provided by the user in the membership registration step (S20) After the approval step (S30) and the membership is approved, the user selects a fee minimization program after logging in to the credit card management site 20 through the computer 10. After selecting and inputting only the required cash service amount, the management server 30 runs the commission rate calculation program according to the cash service request amount to display a result value of the card usage state on the user's web browser 11 to minimize the commission rate. Calculating the use state of the card and outputting the result value (S40) to minimize the fee rate to be printed on, and a payment or cash service application step and money transfer (S50) in which the user pays the credit card payment with reference to the result value Consists of

The membership registration step (S20) is, as shown in the accompanying drawings, Figure 3, the user accesses the credit card management site 20 to select a member registration on the homepage and select whether to join a full member or an associate member Form selection step (S21), and the user basic information input step (S22) for inputting a possession card name, each card payment date, limit, ID, password, e-mail, mobile phone number, name and social security number if the active member is selected; Terms of approval (S23) to agree to the terms and conditions provided by the credit card management site 20, such as compliance with the use of the site, membership preferences and membership management fee, and the management server 30 data inputted basic information of the user It consists of a user basic information storage step (S24) for classifying and storing in the first database 41 and the second database 42.

Membership approval step (S30) is, as shown in Figure 4, the management server 30 reads the user basic information input by the user from the first database (41) provided by external public institutions and financial institutions The user personal identification step (S31) for comparing or searching for matching with the data, and if there is no abnormality in the basic information of the user through the process, the membership registration approval step (S32) for approving the membership.

As shown in FIG. 5, when the user accesses the credit card management site 20 and logs in as a member at the initial screen, the management server is configured to calculate the card usage state and output the result value S40. Reads basic information of the first database 41 and executes a customized service to output the site homepage on the user's computer 10, and the user can perform a fee minimization program in the web browser 11 where the site homepage is output. A cash service required amount input step (S41) for selecting and inputting a required cash service amount, and a use date search step (S42) for reading and retrieving a use date according to a payment date for each card of the user stored in the second database 42 (S42). ), And the date of use for sorting the date of use of each card found in the use date search step (S42) in order of date. A card rate sorting step (S43), a fee rate searching step (S44) for searching for a fee rate according to cards arranged in order of use date in the third database 43 in which fee rates set for each card company or card type are stored, and the fee rate The card sorting step (S45) by fee rate sorting in order of the lowest fee rate among the cards found in the search step (S44), and the cards arranged in order by the date of use and the fee rate are sorted in order, and the set card use order Card usage rank setting and storing step (S46) storing the number 4 in the database 44, and the cash of the first priority use card set from the cash service required amount input by the user in the card usage ranking setting and storing step (S46). A checkable amount of money check step (S47) to check the amount of payment available by minus the service available amount, and the user enters If the amount of the cash service available for the first priority card set in the amount of the cash service required amount is greater than zero, that is, the remaining settlement amount occurs, it is stored in the fifth database 45 and the fifth database 45 Read the remaining payment amount stored in the) and minus the cash service available amount of the second rank card read from the fourth database 44 so that the rest is equal to or less than 0 and rotates the infinite loop to complete the payment. The remaining amount payment step (S48), and the result value output step (S49) for outputting the required card name, payment amount and fee when the result value is less than or equal to 0 won in the process.

Payment or cash service application step (S50) is a result value check step (S51) that the user checks the data of the result value output step (S49) on the web browser 11, as shown in Figure 6 and the result, After checking the value, in step S52, using a one-click service provided on the homepage in order to use the card, each card company accessing the site of each card company is connected. The cash service application step (S53) for applying the cash service amount corresponding to each card by referring to the result value presented, and the amount of the cash service applied to the bank account or transferred to the bank account immediately, etc. It consists of a payment price completion step (S54) to make a payment.

According to the present invention configured as described above, the user accesses the management server 30 of the credit card management site 20 through the Internet using a computer in the access step S10, and selects a member type in the membership sign-up step S20. In S21, the user accesses the credit card management site 20, selects a member registration on the homepage, selects whether to join a regular member or an associate member, and in the user basic information input step S22 (S22 '). Enter the card name, date of payment of each card, limit, ID, password, e-mail, mobile phone number, name and social security number according to the form of the member. The user's basic agreement with the terms and conditions provided by the credit card management site 20, such as the membership management fee, and the management server 30 is entered in the user basic information storage step S24. The information is data-formed and classified and stored in the first database 41 and the second database 42. In the user personal identification step (S31) of the user registration approval step (S30), the management server 30 performs a user The user's basic information is read from the first database 41 and compared or searched with the data provided by external public institutions and financial institutions, and the user's basic information is approved through the above process. In step S32, the user approves the membership, and in the step S41 of inputting the cash service required amount of the card use status calculation and result value output step S40 to minimize the fee rate, the user enters the credit card management site 20. When you log in and log in as a member on the initial screen, the webpage is displayed on the user's computer 10. In the browser 11, the fee minimization program is selected and the required cash service amount is input. In the use date search step S42, the user's use date of each card stored in the second database 42 is read and retrieved. In the card sorting step by use date order (S43), the use date of each card found in the use date search step (S42) is sorted by date order, and in the fee rate searching step (S44), a fee rate set for each card company or card type is stored. In the database 43, the fee rate is searched according to the cards arranged by the order of use date, and in the card sorting step by fee rate (S45), the cards searched in the fee rate search step (S44) are sorted in a predetermined order, and the card usage rank setting and In the storing step (S46), the cards are ordered by combining the cards sorted by order of use date and fee rate. Sorting and storing the set card usage rank in the 4 database 44, and in the checkable amount of payment amount step (S47), the first priority set from the cash service amount input by the user in the card use order setting and storage step (S46). Negative amount of cash service available on the card is used to check the settlement amount, and when the remaining settlement amount occurs, the remaining amount is stored in the fifth database 45 in the remaining amount settlement step (S48) and the fifth database ( 45, the program is rotated in an endless loop to complete the settlement of the payment amount by minifying the cash service available amount of the second rank-use card read from the fourth database 44 from the remaining payment amount stored in the fourth database 44. If the result value is equal to or less than 0 won, the required card name, payment amount and fee are issued in the result value output step (S49). It is.

Thereafter, in the payment or cash service application step (S50), the site of each card company is connected to apply for a cash service and pay the price.

In the present invention, but the cash service as an embodiment, it will be appreciated that the commission rate of not only cash service but also installment service and loan service can be minimized.

For example, the general fee schedule of FIG. 7 is applied, and while the company employee owns a credit card as shown in (Table 1), he uses an SS card whose payment date is 11 days and pays 8 million won for cash service and purchase of goods. If you use it and apply for cash service on the 11th using a card owned on the payment date, most of the payments are made with a card with a higher limit to reduce the number of payment cards as shown in (Table 2).

(However, for the sake of understanding, all cards are used for the first time, and an example is assumed a month is 30 days.)

The usage date calculation is calculated based on the commission rate for the normal credit card usage date.

On the other hand, when the fee is minimized through the cash service fee rate minimization calculation program of the present invention is as follows.

First, the management server 30 reads and sorts the data from the second database 42 in the order of the credit card having the minimum use date, and then the third database (the order of the credit card with the minimum cash service fee rate). After reading and sorting in (43), the logic 1 method of sorting by the card with the lowest fee rate compared to the date of use is adopted, and the result is stored in the fourth database.

That is, when the management server 30 reads the data data by the use date from the second database 42 and uses them on June 11, the management server 30 sorts them in order of the credit card having the minimum use date (Table 3) and same.

In addition, referring to the commission rate table of FIG. 7, the total order of credit cards with the lowest fee rate is as shown in Table 4 below.

In this case, the fee rate table is prepared for the sake of understanding. The fee rate table is converted into data on the system and stored in the third database 43. The management server 30 reads the data and arranges the data in the required order.

In order to receive the minimum cash service required in the sorted card order as described above, a result as shown in Table 5 will appear.

Therefore, when using the present inventors fee minimization program can prevent the loss of 21,350 won, and in the long-term use will be able to solve the economic burden by reducing the enormous fee excess amount.

The above example is limited to the case of using each owned credit card for the first time as mentioned above, and paying the credit card which received the cash service for payment by credit card and transfer to another credit card as described above. All credit cards have a payment price, and in order to pay these payments, the cash service fee minimization calculation program of the present invention calculates a credit card usage method that minimizes the fee through a payment method as shown in (Table 6).

As shown above, if the card is paid in the same way as in (Table 2), the monthly fee is 300,000 days and the monthly fee is 188,000 won.

However, if you use the program of this fee minimization system, the difference between the end of 30 days and the end of month 31 will be 7,900 won.

As shown in (Table 8) below, the difference of 13,250 won will occur and the profit itself will remain until 30th of September.

If there are two or more cards with the same payment date, for example, the payment date is five days, the remaining amount of the cash service available amount after the payment on the same day, the amount to be paid on the next payment date, and the fee between cards on the payment date If the difference is greater than the fee difference between the cards on the day of payment, and what you use on the next payment date is within the range that you will be charged on the next payment date, set the card usage rate if the 5 day payment date card is available on this payment date the next payment date, for example 12 And in the storage step (S46) is applied logic 2 sorting from the card with a high cash service commission rate is applied in the way to pay from the card with a high cash service fee during the same settlement date as shown below.

For example, if you apply for cash service on the 11th by using the card (Table 9) that you owned on the settlement date using 8 million won through cash service or purchase of goods with SS card whose 11th is the settlement date, As shown in (Table 10), you pay by credit card.

The usage days calculation is based on the commission rate for a typical credit card usage day.

On the other hand, when the fee is minimized through the cash service fee rate minimization calculation program of the present invention is as follows.

First, the management server 30 reads and sorts the data from the second database 42 in the order of the credit cards having the minimum use date, and then the third database (the order of the credit cards with the minimum cash service fee rate). 43), the card is read and sorted, but if there is a card having the same payment date, the card having the higher fee rate compared to the date of use is sorted to be used first and stored in the fourth database.

In other words, when read from the second database 42 and used on June 11, the date of use is sorted in the order of the credit cards having the smallest date.

In addition, referring to the commission rate table of FIG. 7, the total number of credit cards with the lowest fee rate is arranged as shown in Table 12. (The fee rate table is prepared for clarity. Stored in the third database 43.)

In order to receive the minimum cash service required in the sorted card order as described above, the following result is displayed.

Therefore, when using the present inventors fee minimization program it is possible to prevent the loss of 18,690 won.

The above example is limited to the case of using each owned credit card for the first time as mentioned above, and paying the credit card charges which were paid by credit card and received cash service for delivery to another credit card next month as described above. When the payment is made, all credit cards have a payment price, and the cash service fee minimization calculation program of the present invention calculates a credit card usage method that minimizes the fee through the following payment method. .

However, since the credit card owned by A here satisfies all the conditions of Logic 2, the order of cards sorted in the fee calculation program according to Logic 2 is changed as shown in Table 14a.

As seen above, if two or more cards exist on the same payment date and the difference in fees is greater than the date of help, the logic of the same payment date card is changed as shown in (Table 14a). , HMVS same-day commission rate difference 0.3%

That is, it can be seen that Logic 2 is applied only between two cards on the corresponding card settlement date, and Logic 1 is applied again on other settlement dates. (See Table 14b)

As shown above, if you pay the card in the same way as in (Table 10), the monthly fee is 300,000 days and the monthly fee is 188,000 won.

Therefore, if you use this fee minimization system, as shown above, the difference between the end of the month at the end of the 30 days and the end of the month at the end of 31 is 7,750 won.

As described above, the present invention calculates a cash service fee rate according to the date of use of each credit card by inputting only its own credit card information and the required amount of cash service, and ranks the card with the minimum fee and cash service from the priority card. This allows you to minimize the fees for using cash advances through your credit card.

The present invention separately from the fee minimization system checks the payment price to the user 3 days before the payment date on the payment date, as well as on the payment day by sending a text service to the mobile phone so as not to miss the payment date overdue management server 30 Will provide a service to prevent in advance.

In the present invention as described above, if only the own credit card information and the amount of cash service required to enter the amount of cash service fee according to the date of use of each credit card, the fee is given the lowest priority card, and the priority card from cash service By minimizing the fee for using the cash service through the credit card, the user can regain the payment and settlement date before the payment date, thereby preventing the personal credit loss due to the late payment.

Claims (7)

A computer 10 of a user who is a cardholder who wants to receive cash service; A first database 41 in which data recording information of all cards owned by a user when a user joins a member through the Internet, a second database 42 in which a user's date of using cash service is stored, and various kinds of users A third database 43 in which credit card cash service fee rates are stored, a fourth database 44 in which data is stored by arranging the cards in a rank given according to each credit card fee rate, and the price for using the card In the case of payment by cash service, the remaining amount of payment is stored so as to save the insufficient amount when the payment amount is insufficient in the payment by the card ranking stored in the fourth database 44 and complete the payment using the next ranking card. Collect, classify, calculate and update the data stored in the fifth database 45 and the respective databases 41, 42, 43, 44, and 45 Estimation and provision system for minimizing the commission rate when using a cash service using a credit card through the Internet, characterized in that consisting of a credit card management site (20) consisting of a management server (30) to manage the system (100). A connection step (S10) in which the user connects to the management server 30 of the credit card management site through the Internet using a computer, and the personal information and the owned credit card for the user to be provided with the service after the connection. After the information is provided to the management server 30 of the credit card management site 20, the user agrees to the terms and conditions presented by the management server, and then the user registers at the sign up step (S20) and at the sign up step (S20). After confirming the member's real name and information based on the user's personal information and the credit card information provided, a member registration approval step (S30) for approving the member registration, and after the member is approved, the user can use the computer 10 for credit. After logging in to the card management site 20, select the fee minimization program and input the required cash service amount, and the management server 30 calculates the commission rate according to the cash service request amount. Calculating a card usage state and outputting a result value of the card usage state to minimize the commission rate for outputting the result value for the card use state to minimize the commission rate by running the program (S40), How to calculate and provide a minimum fee rate when using a cash service using a credit card through the Internet, characterized in that the user consists of a payment or cash service application step (S50) for the payment of the credit card payment with reference to the result. The method of claim 2, The member registration step (S20) is a member type selection step (S21) in which a user accesses a credit card management site 20 and selects a member registration on a homepage, and selects whether to join a regular member or an associate member, and a regular member. If you select the user's card name, each card payment date, limit, ID, password, e-mail, mobile phone number, bank account number, name and social security number to enter the basic user information step (S22), the site use, Terms and conditions approval step (S23) to agree to the terms and conditions provided by the credit card management site 20, such as preferences and membership management fees for members, and the management server 30 is the first database (data input) 41) and the user basic information storage step (S24) for classifying and storing in the second database (42). How to calculate and provide a minimum fee rate when using a cash card to use cash services. The method of claim 2, Membership approval step (S30) is a user that the management server 30 reads the user's basic information entered by the user in the first database 41 and compares or searches whether it matches the data provided by external public institutions and financial institutions Personal identification step (S31) and, if there is no abnormality in the user's basic information through the above process member registration approval step (S32) to approve the membership, cash service using the credit card over the Internet How to calculate and provide a minimum fee rate for use. The method of claim 2, The step of calculating the card usage status and outputting the result value to minimize the fee rate (S40) is when the user accesses the credit card management site 20 and logs in as a member on the initial screen, and outputs the site homepage on the user's computer 10. The user selects a fee minimization program in the web browser 11 on which the site homepage is output and inputs a required cash service amount (S41), and each card of the user stored in the second database 42. The use date search step (S42) for reading and searching for the use date for each star, the card sorting step for each use date order (S43) for sorting the use date of each card found in the use date search step (S42) in the date order, and for each card company Alternatively, according to the cards arranged in order of use date in the third database 43 in which the fee rate set for each card type is stored. A fee rate search step (S44) for searching for a fee rate, a fee sort card sorting step (S45) for sorting in order of the lowest fee rate among the cards found in the fee rate search step (S44), and cards arranged by the order of use date and fee rate Card usage ranking setting and storage step (S46), which collectively sorts the usage cards in order and stores the set card usage ranking in four databases (44), and the first priority set in the card usage ranking setting and storage step (S46). A checkable amount of money check step (S47) of checking the amount payable by minifying the amount of cash service input by the user from the amount of cash service available in the use card; and at this time, if a negative amount, that is, a remaining amount of payment, occurs, the fifth database 45 In the cash advance available on the second ranked card in the fourth database (44). Remaining amount payment step (S48) of infinite loop rotation to read and minus the remaining amount of payment stored in the database 45 to complete the payment of the payment, and if the result value is equal to or smaller than 0 in the process A method of calculating and providing a minimized fee rate when using a cash service using a credit card through the Internet, characterized in that it comprises a result value output step (S49) for outputting a card name, a payment amount and a fee. The method of claim 5, When the card is sorted by fee rate (S45), when the fee is low, the cards are sorted in the order of the lowest payment rate. How to calculate and provide a minimum fee rate. The method of claim 5, According to the card sorting step by fee rate (S45) in the order of the card with the lowest commission rate, and the order of the card with the lowest fee rate, but if there is a card with the same payment date, the result according to the method to sort from the card with the largest cash service fee rate The method of calculating and providing a minimum fee rate when using a cash service using a credit card through the Internet, characterized in that to calculate a minimum fee rate by selecting a method having a low fee rate by comparing.