WO2014196680A1 - Method for repaying principal in virtuous cycle-structured method for immediate payment loans with no-interest and no-fee for living expenses using debit card - Google Patents

Method for repaying principal in virtuous cycle-structured method for immediate payment loans with no-interest and no-fee for living expenses using debit card Download PDF

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Publication number
WO2014196680A1
WO2014196680A1 PCT/KR2013/005422 KR2013005422W WO2014196680A1 WO 2014196680 A1 WO2014196680 A1 WO 2014196680A1 KR 2013005422 W KR2013005422 W KR 2013005422W WO 2014196680 A1 WO2014196680 A1 WO 2014196680A1
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WIPO (PCT)
Prior art keywords
card
interest
customer
principal
won
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PCT/KR2013/005422
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French (fr)
Korean (ko)
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심정택
오원석
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Sim Joung Taek
Oh Won-Seok
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Publication of WO2014196680A1 publication Critical patent/WO2014196680A1/en

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method of repaying the principal of a virtuous interest-free, non-fee-free living expenses loan system using a check card, and more specifically, even without a cash balance in a user's bank account, which is unlimited for 365 days within a limit amount set by a financial institution.
  • a virtuous cycle financial distribution method that allows infinite recurring payments for a period of time, financial institutions issue a virtuous cycle check card to a customer from a certain amount and immediately settle the maximum amount through a gradual self-assessment of credit to make loans.
  • the principal repayment method of the virtuous interest-free, non-fee-free living expenses immediate payment method using a check card that contributes to the activation and stabilization of the household economy of the populace and to increase the job creation and added value of SMEs by automatically paying it with no interest and no-charge.
  • the current credit card system of financial institutions around the world is a method where consumers receive goods or services first and then repay them automatically.
  • the current artificial post-circulation credit card system has a problem that consumers have a decentralized benefit from high income earners who pay high interest rates and use a lot of cards.
  • the same problem occurs in the case of the check card that allows the use of cash only within the balance of the account book held by the consumer or customer.
  • the economic reality of the common people in Korea is 3.5 million people with bad credit, and 6.8 million people are in a crisis of credit card crisis. More than 30% of the economically active population suffer from economic difficulties.
  • household debt per household is 45.89 million won, and per capita debt is 16.49 million won, so the government recognized this as a serious social problem and refrained from using credit cards and recommending the use of check cards.
  • the economic reality of the common people is that more than 80% of the people suffer from lack of account balance every month.
  • the default of small loans of less than 1 million won has increased steadily since 2009, and 59% of the large debtors are using the credit card company's card loans, which has a high rate of additional interest burden.
  • the government's policy is that only 6.8 million people will be allowed to issue check cards only due to credit card issuance restrictions (April 9, 2012 / SBS, MBN News Report).
  • the present invention has been completed while intensively studying the prescription for penetrating the arteriosclerosis of the household economy and the corporate economy as described above.
  • An object of the present invention is a virtuous cycle from a certain amount by using a virtuous cycle financial distribution method that allows infinite repetitive payment for 365 days indefinitely within the limit amount set by a financial institution even without a cash balance in the user's bank account.
  • a check card By issuing a check card to customers, it provides a method of repaying the principal of a virtuous cycle of interest-free, non-fee-free living expenses immediately using a check card that overcomes the above-mentioned national economic realities and regenerates poor creditors in consideration of enhancing national competitiveness. Is in.
  • the purpose of the present invention is to provide a method for repaying the principal of a virtuous cycle of interest-free, non-fee-free living expenses and immediate payment using a check card that establishes a card-using culture.
  • Still another object of the present invention is to provide a principal situation method of a virtuous interest-free, non-credit living cost immediate payment loan method using a check card that achieves a so-called virtuous-circulation financial distribution that immediately pays and immediately lends a living cost with no interest and no fee.
  • a virtuous cycle interest-free non-fee-based living expenses instant payment loan system using a check card guarantees a certain amount of use of a customer who is a member of a holding company, thereby ensuring that the bank has no interest-free fees.
  • a bank book and card issuing means for issuing loans and loan payments and cards for which loans are deposited;
  • Card use checking means 20 for checking a card use state of the customer;
  • Card use limit increasing means (30) for increasing the loan amount used according to the card use state of the card use checking means (20);
  • a principal repayment operation means (40) for checking whether or not to repay the principal loaned without interest-free fees;
  • Card usage history management means (50) for managing a customer's card usage history; It is characterized by consisting of a plurality of databases (DB 1, DB 2, DB 3) for storing a variety of information.
  • the present invention not only has the effect of maximizing income to both banks that operate check card systems or corporate customers who use check cards, individuals, and government economic entities, but also to affiliated franchisees to improve social welfare system and to develop various funds. It has the effect of raising funds, creating jobs, and cooperating merchants to increase sales due to fixed customers, promote brand branding and revitalize the economy of ordinary people, and boost the market economy with efficient consumption for general merchants and improve the quality of life through interest-free economic services. And the effect of improving happiness index.
  • the present invention will be described in detail with reference to specific embodiments.
  • the scope of the present invention is not limited thereto, and the present invention can be changed by any means using the principal situation method of the immediate circulation non-paying living expenses instant payment loan system using the present invention check card. Since the present invention can be carried out within the scope of the present invention, the scope of the present invention extends to a new method of use including a partial change of the order and number of the system.
  • FIG. 1 is a diagram showing a consignment management system for each region based on a MOU contract and a contract between a head office of a holding company (G.S.L) and a bank (W) headquarter,
  • FIG. 2 is a view showing the outline of the business scope of the holding company (G.S.L) headquarters,
  • Figure 3 is a block diagram of a virtuous cycle interest-free living expenses immediate payment loan system using the present invention check card
  • FIG. 4 is a correlation diagram between the holding company (G.S.L) and the bank (W) and customers according to the present invention
  • Figure 5 is a flow chart for executing a virtuous cycle interest-free non-cost living expenses instant payment loan method using the present invention check card
  • FIG. 6 is a detailed flowchart of the card use confirmation step of FIG.
  • 8a and 8b is a flow chart showing an embodiment of a loan, that is, a method of increasing a limit.
  • 9a and 9b is a flow chart showing an embodiment of principal repayment
  • 10 is a flow chart of principal repayment according to the present invention.
  • FIG. 12 is a view showing an embodiment of an affiliated store according to the present invention.
  • FIG. 1 is a diagram showing a consignment management system for each region based on a MOU contract and a contract between a head office of a holding company (GSL) and a main office of a bank (W).
  • a bank intending to introduce a virtuous cycle and pre-investment financial distribution method.
  • W Signed an MOU for the operation of the virtuous cycle check card system by the agreement between the head office and the head office of the holding company (GSL), and contracted with the head office of the bank (W) and the head office of the holding company (GSL) for the development of the virtuous circulation and pre-investment financial distribution system.
  • the operating system outline is prepared by the holding company (G.S.L) and configured for approval by the bank (W) headquarters.
  • the creation of the operating system shares the computer program software (SW; Software) at both headquarters and constitutes the hardware (HW) to operate the SW.
  • SW development is led by banks (W) and holding companies (G.S.L).
  • HW can be installed at either or both banks and headquarters of the holding company (G.S.L).
  • the HW for smooth implementation of the present invention includes a computer main body including a CPU, a terminal computer, and the like.
  • Preferred HW in the practice of the present invention is the level that can operate the SW most smoothly, the holding company (G.S.L) ordered to provide facilities and know-how (Know-How). All programs are shared between the bank (W) headquarters and the holding company (G.S.L) to enable complementary repairs at any time.
  • the number of terminal computers (hereinafter referred to as "T.C") should be appropriately secured according to the number of businesses of the holding company (G.S.L) and shared with each branch bank of the bank (W).
  • FIG. 2 is a view showing the outline of the business scope of the holding company (G.S.L) headquarters, the business should be operated to understand the installation operation of the T.C.
  • the head office of the holding company (G.S.L) operates 100% directly, and all employees should apply four insurances to ensure business stability.
  • it is desirable to improve management performance by applying incentives to management performance, consequently contributing to the creation of employment and unemployment rate in Korea.
  • a business plan is established to increase the number of the group management management system for each region in the initial three to four business enterprises satisfactorily or successfully operated (see Fig. 2).
  • Each regional organization's commissioned management system should be designed to maximize profits, but it must be structured to achieve a common goal of revitalizing the local economy.
  • FIG. 3 is a block diagram of a system for immediately paying a non-returnable fee-free living expenses using a check card according to the present invention.
  • FIG. 4 is a correlation diagram between a holding company (GSL), a bank (W), and a customer according to the present invention.
  • GSL holding company
  • W bank
  • Figure 6 is a flow chart for executing a virtuous cycle interest-free living expenses immediate payment loan method using the present invention check card
  • Figure 6 is a detailed flowchart of the card use confirmation step of Figure 5
  • Figure 7 is a flow chart of the increase of the loan according to the present invention
  • Figure 8a and Figure 8b is a flow chart showing an embodiment of a loan, that is, a method of increasing a limit
  • Figures 9a and 9b is a flow chart showing an embodiment of a principal repayment
  • Figure 10 is a flow chart of a principal repayment according to the present invention.
  • FIG. 11 is a view showing an effective advantage according to the present invention
  • Figure 12 is a view showing an embodiment of the merchant according to the present invention, a block diagram of a virtuous cycle interest-free and no-cost living expenses immediate payment loan system using the present invention check card
  • Pre-payment loan system with a virtuous interest-free fee-free living expenses using a check card according to the present invention guarantees a certain amount of use of a customer who is a member of the holding company (GSL) by a certain amount of loans are deposited to the user at a bank with no interest-free fees
  • a bankbook and card issuing means (10) for issuing a loan bankbook and a principal repayment bankbook and a card
  • Card use checking means 20 for checking a card use state of the customer
  • Card use limit increasing means (30) for increasing the loan amount used according to the card use state of the card use checking means (20)
  • a principal repayment operation means (40) for checking whether or not to repay the principal loaned without interest-free fees
  • the card is a check card
  • the bankbook and the card issuing means 10 are configured to be provided by the bank W.
  • the bank W As shown in FIG. If the customer is confirmed by the company (GSL), the customer will be issued a loan passbook, a repayment pass card, and a card. The guarantee of the customer is made by the holding company (GSL). Through W) to deposit into the bank account.
  • the card use confirmation means 20 is different from the card use confirmation according to the type of customer, up to 1.2 million won for general members, up to 9 million won for VIP members, up to 12 million won for super VIP members, Prestige ( Prestige members will be guaranteed by GSL for up to 15 million won.
  • the card usage limit increase means 30 increases the usage level of the card by raising the grade of the customer by increasing the guaranteed limit of the holding company (G.S.L) when the use of the card is normal.
  • the principal repayment operation means 40 is a configuration provided by the holding company (GSL), the payment of the principal is properly made according to the card usage history of the customer confirmed by the card use confirmation means 20 and the economic method of the principal Means to verify
  • the interest rate management means 50 is a means for confirming that the bank (W) pays the holding company (G.S.L) interest on the expense that the holding company (G.S.L) deposited in the bank (W) for the guarantee of the customer.
  • the card usage history management means 60 preferably manages the card usage history not only for each customer but also for each grade of the customer, and stores the corresponding data in the databases DB1, DB2, and DB3 as customer information.
  • the repayment amount to be repaid each day by member type is different. For example, a regular member who borrows 600,000 won will be repaid for 30,000 won per day. For a VIP member, 60,000 won will be repaid every day. For a super VIP member, 90,000 won will be repaid every day, and for a prestige member, 120,000 won will be repaid each day.
  • the interest rate management step (S6 step) is interest on the amount deposited by the holding company (GSL) to the bank (W) for the customer's guarantee in real time interest on the remaining amount excluding the customer's use amount in the bank Calculate and pay to the holding company (GSL).
  • the passbook and card issuing step (step S2) issuing the loan bank and the principal repayment bankbook as the issuing bank, it is preferable to issue a check card to the issuing card.
  • the card use confirmation step includes a member confirmation step (steps S11 to S14) for checking the type of the member; Checking a certain period of time of use of the card for confirming the use of the card for a certain period of time (steps S15 and S16); A principal repayment checking step (S17, S18 step) for checking the repayment of the principal for a certain period; Limit amount checking step (S19 ⁇ S22 step) to check the limit of the loan; The loan increase approval step (S23 ⁇ S26 step) is approved to increase the loan.
  • step S3 the step of confirming the use of the card is performed when the user first uses 100% of the amount set for 20 days and then repays 70% of the principal for 60 days or 90 days, and the amount set for 60 days or 90 days.
  • the amount of loan will be increased by dividing 70% of the principal with 70% of the principal.
  • the cyclical interest-free living expenses instant payment loan system method using the check card is first registered as a member of the holding company (GSL) by logging in on the computer at the member registration step (step S1).
  • GSL holding company
  • step S1 the member registration step
  • the holding company (GSL) can make such a member a member. It guarantees to the bank (W), that is, guarantees the loan to the customer.
  • the bank (W) issues a principal and a loan account to the customer, and at the same time issues a check card (step S2).
  • the customer will use a certain amount of money as a check card for a certain period of time, the use of the card is used to purchase the necessities as shown in Figure 4, the manufacturer or sales company of the necessities of the holding company (GSL) Limited to retail stores and general affiliated stores.
  • GSL holding company
  • the card use confirmation means 20 confirms the use of the card for a certain period, and in the increase in the use step (step S4), the card use state in the card use confirmation step (step S3).
  • the card usage limit increase means 30 to increase the usage of the card.
  • the holding company (GSL) to guarantee the customer bank ( W)
  • the amount deposited by the customer is subtracted from the amount used by the customer, and the interest is calculated on the remaining amount and paid to the holding company (GSL).
  • the card usage history management step (step S7) manages the card usage history of the card usage history management means 60 to store the database (DB 1) as account information, and the database (DB) in the data management step (step S8) 1, DB 2, DB 3) stores the customer ledger, account ledger, customer information, account information and accounting system.
  • step S3 According to the use of the card and the repayment of the prescribed card for a certain period of time to increase the usage of the card by the card use limit increasing means 30 according to the card use state of the card use checking step (step S3). Likewise, there is a method of increasing the limit after using the 100% limit and a method of increasing the limit if the limit is not 100% used for a predetermined period as shown in FIG. 8B.
  • the 1st grade limit will be increased when the principal's repayment is 70% based on 60 days.
  • the 1st grade limit is increased. After the usage limit is increased to 100% and the principal payment is 50% based on 90 days (quarterly), increase the limit to Level 3 and adjust as follows.
  • W bank
  • Customer's card limit is divided into the initial limit (A) 600,000 won and the additional limit (B) 600,000 won.
  • the additional limit of 600,000 won is added two months after the issuance of the check card. Raise the amount up to 1.2 million won as the credit card usage limit, and rank as VIP member.
  • the customer who set the initial limit (A) to 1.2 million won will increase the additional limit (B) 1.2 million won after two months to use 2.4 million won as a card and make the grade a VIP member.
  • the customer who set the initial limit (A) to 9 million won will raise the additional limit (B) by 3 million after 2 months, and the card usage will be upgraded to a super VIP customer of 12 million won. After two months, the customer member who set the initial usage limit (A) to 12 million won raises the additional limit (B) by 3 million won to raise the credit card usage to 15 million won so that the grade can be upgraded to a prestige customer. 8a, see FIG. 8b).
  • the cardholder's credit card system uses a check card and a loan method.
  • the 100% usage limit may be 20 days before or 20 days later. If the usage limit is 100 days before 20 days, 100% of the usage limit will be repaid from the next day.If the usage limit 100% is 20 days after the payment is made, the remaining limit is automatically settled. Repayments will be made from the balance.
  • the repayment date may be 10 days before, 10 days after, or 20, 25, 30, 35, 40, 45, 50, 55, 60. It can be created.
  • the principal will be immediately reimbursed for the amount used. Can be used.
  • the principal's repayment is immediately settled in the bank account of the customer's bank account and the limit of the bank account is established at the same time. The payment is approved.
  • the limit is set to 600,000 won, if you used 30,000 won a day, you would use 100% if it was 20 days, and you would be able to use the remaining limit of 30,000 won on the 21st day.
  • the amount used on the 1st day is 30,000 won and the amount used on the 21st is 50,000 won, it means that the amount of 20,000 won is used for payment of repayment immediately and the loan is immediately made at the remaining limit. do.
  • the day when the customer first used the limit was called (1), and 100% of the limit was used, using 30,000 won every day (1) through (20). 30,000 won can be used.
  • the automatic virtuous interest-free, no-fee check card living expenses immediate payment loan can be once a day, two times, or more than 10 times a day depending on the customer's use.
  • a virtuous interest-free, no-cost living expenses immediate payment loan system using the check card, a virtuous cycle financial distribution method as shown in FIG. 5 is operated between the holding company (G.S.L) headquarters and the bank (W) headquarters and the customer.
  • the holding company (GSL) headquarters is a mutual guarantee of membership and interest under the contract of the contracting party bank (W) headquarters and the joint operation of the system for the immediate circulation of interest-free, zero-cost living expenses loan system using the present invention check card
  • the bank (W) head office will be issued through each branch, and the customer will apply for membership to the holding company (GSL) headquarters.
  • the holding company (GSL) headquarters serves its customers.
  • the customer's service is requested to purchase a product from the affiliated company of the holding company (G.S.L), and the customer pays the service using the check card issued through each branch of the bank (W).
  • the holding company (G.S.L) headquarters is to install and operate an affiliate store that performs a variety of services as shown in Figure 2 can provide a quality service to any service needs of customers.
  • the affiliated store may be any service planned by the holding company (G.S.L) headquarters.
  • the headquarters of the holding company (G.S.L) can be classified into general franchisees, directly managed franchises and cooperative franchisees according to the types of services and products to be provided to customers.
  • the affiliated stores require each merchant to conclude a product supply contract for production and manufacturing,
  • the merchants use the check card to check the price paid after the purchase request and supply the services / products to the customers.
  • a virtuous interest-free living expenses immediate payment loan system using a check card is multifunctionally integrated into a general affiliated store, a managed affiliated store, and a cooperative affiliated store according to FIG. 4.
  • the virtuous cycle check card is preferably operated by the holding company (G.S.L) headquarters according to the characteristics of the service / product.
  • FIG. 11 it is possible to provide an on / off line service for a multi-function card issuance service such as a member recruitment function and an ID card according to the affiliated store.
  • a multi-function card issuance service such as a member recruitment function and an ID card according to the affiliated store.
  • the multi-functional integrated operating system is capable of performing various additional services such as payment service, communication, etc. immediately by the merchant.
  • the card merchant fee that can be obtained through each branch of the bank (W) sees the monthly average living cost per household as 3.317 million won when the number of merchant customers is 100,000, and uses the check card payment machine of the present invention at 50% or 158 million won per month. Assume that the monthly earnings are 1.85 billion won, and the annual revenue is 284.44 billion won. In this way, if the number of merchants / customers is 7.7 million, the annual card merchant issuance fee income will reach 1.45 trillion won.
  • the remittance fee and the ATM fee that can be obtained through each branch of the bank (W) are assumed to be 0.8% of the remittance fee of one card user.
  • the total annual income of remittance fees and ATM fees reaches 180 billion won, and assuming only 7 million members / customers. Its annual revenues amount to 1.2 trillion won, with 420 billion won and 840 billion won.
  • check card shows the structure of short-term net profit (2010 basis) for each card company as shown in Table 1 as shown in Table 2 below.
  • various services may be performed according to the type of affiliated store.
  • asset growth is performed with differentiated services, a country love development fund, a social welfare system improvement fund, and job creation are created in order to maximize the profit of the holding company (GSL) headquarters. can do.
  • GSL holding company
  • the present invention When the check card payment system is authenticated and implemented by the Financial Supervisory Service, the present invention will establish a correct card culture, thereby dramatically increasing the use of the cyclic check card and be able to carry out the top priority of government policies such as revitalizing the economy of small and medium-sized businesses. In addition, it is a very useful invention for the financial distribution industry because it has an excellent effect of developing and exporting financial distribution systems in developing and developing countries.

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Abstract

The present invention relates to a method for repaying a principal in a virtuous cycle-structured method for immediate-payment loans with no interest and no fee for living expenses using debit cards, the system comprising: account and card issuing means (10); a card usage checking means (20); a card-usage limit raising means (30); a principal repayment management means (40); a card-usage details management means (50); and databases (DB 1, DB 2 and DB 3), and the method comprising the steps of: enlisting members (S1); issuing account and card (S2); checking card usage (S3); increasing usage limit (S4); managing principal repayment (S5); managing interest (S6); managing details of card usage (S7); and managing data (S8). The present invention is a useful invention having exceptional benefits, the invention having the benefit of maximizing income of both the banks operating the system, and member customers using the debit card, such as a business, an individual and a governmental economic agency, and additionally, for the direct affiliates, having the benefit of facilitating the creation of various development funds and funds for improving the social welfare system, and the benefit of creating jobs, and for the cooperative affiliates, having the benefit of an increase in the number of loans, affiliates brand marketing and revitalization of family finances due to regular customers, and for the general affiliates, having the benefit of revitalizing the market economy due to effective consumption and enhancing the quality of life and raising the happiness index due to the benefit of an interest-free economic service.

Description

체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법How to repay the principal of the virtuous interest-free and no-cost living expenses immediate payment method using a check card
본 발명은 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 원금 상환방법에 관한 것으로서, 더욱 상세하게는 고객인 사용자의 통장에 현금 잔고가 없어도 금융기관이 책정한 한도 금액 내에서는 365일 무한기간, 무한반복 결제가 가능하도록 하는 선순환 금융 유통방법을 이용하여 일정 금액부터 금융기관이 선순환 체크카드를 고객에게 발급해주고 점진적인 자체 신용평가를 통하여 최대 금액까지 즉시 결제하여 대출해줌으로써 결제일 연체시에도 책정된 한도가 남아 있을 경우 무이자, 무수수료로 자동 대납되도록 하여 서민 가계 경제를 활성 및 안정화시키고 중소기업의 일자리 창출 및 부가가치를 상승시키는데 기여하는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법에 관한 것이다.The present invention relates to a method of repaying the principal of a virtuous interest-free, non-fee-free living expenses loan system using a check card, and more specifically, even without a cash balance in a user's bank account, which is unlimited for 365 days within a limit amount set by a financial institution. By using a virtuous cycle financial distribution method that allows infinite recurring payments for a period of time, financial institutions issue a virtuous cycle check card to a customer from a certain amount and immediately settle the maximum amount through a gradual self-assessment of credit to make loans. If there is a limit, the principal repayment method of the virtuous interest-free, non-fee-free living expenses immediate payment method using a check card that contributes to the activation and stabilization of the household economy of the populace and to increase the job creation and added value of SMEs by automatically paying it with no interest and no-charge. To about A.
현행 세계 각국 금융기관의 신용카드 시스템은 소비자가 상품이나 용역을 먼저 받고 사후 자동 상환하는 방식이다. 이러한 현행 인위적인 후순환 신용카드 시스템은 소비자가 고율의 이자를 부담하고 카드를 많이 사용하는 고소득자에게 편중된 공제혜택이 있다는 문제점이 있었다. 한편, 소비자 또는 고객이 보유하고 있는 통장의 잔고 내에서만 현금의 사용이 가능하도록 하는 체크카드의 경우에도 동일한 문제점이 발생하였다.The current credit card system of financial institutions around the world is a method where consumers receive goods or services first and then repay them automatically. The current artificial post-circulation credit card system has a problem that consumers have a decentralized benefit from high income earners who pay high interest rates and use a lot of cards. On the other hand, the same problem occurs in the case of the check card that allows the use of cash only within the balance of the account book held by the consumer or customer.
화폐(돈)는 산업사회의 의, 식, 주 전반에 걸친 모든 경제적 활동을 지배하며 이러한 화폐를 정체 없이 순환시킬 수 있는 기술적인 방법과 시스템이 절실히 요구되고 있다. 특히 상품이나 용역의 소비자 또는 금융고객이 의, 식, 주를 해결 하고 충족시키기 위해서 화폐는 정체되지 않고 순환되어야 한다.Money dominates all economic activity throughout the industrial society's consciousness, consciousness, and state, and there is an urgent need for technical methods and systems to circulate these currencies without delay. In particular, in order for consumers or financial customers of goods or services to solve and fulfill their consciousness, consciousness and state, money must circulate without stagnation.
우리나라의 서민 경제 현실을 보면 신용불량자가 350만 명에 이르고 신용카드 돌려막기에 급급한 신용위기에 처한 사람이 680만 명으로 경제 활동 인구의 30% 이상이 경제적 고충을 겪고 있다. 또 2010년 통계청 자료에 따르면 1가구당 가계 빚이 4,589만원이며 1인당 빚은 1,649만원에 이르고 있어 정부는 이를 심각한 사회문제로 인지하게 되었고 신용카드 사용을 자제하고 체크카드 사용을 권장하기에 이르렀다. 이러한 서민 경제 현실은 국민의 80% 이상이 매월 통장 잔고 부족으로 고충을 겪고 있는 실정으로 나타났다. 같은 통계에 따르면 100만원 미만의 소액 채무 불이행자는 2009년 이후 꾸준한 증가세를 보이고 과다 채무자의 59%가 신용카드 회사의 카드론을 이용하고 있는 상황이어서 고율의 추가 이자 부담을 안고 있는 실정이며 신용등급 7등급 이하 680만명은 신용카드 발급 제한으로 체크카드 발급만 허용하겠다는 정부의 방침이다(2012. 4. 9 / SBS, MBN 뉴스보도).The economic reality of the common people in Korea is 3.5 million people with bad credit, and 6.8 million people are in a crisis of credit card crisis. More than 30% of the economically active population suffer from economic difficulties. In addition, according to the 2010 statistics, household debt per household is 45.89 million won, and per capita debt is 16.49 million won, so the government recognized this as a serious social problem and refrained from using credit cards and recommending the use of check cards. The economic reality of the common people is that more than 80% of the people suffer from lack of account balance every month. According to the same statistics, the default of small loans of less than 1 million won has increased steadily since 2009, and 59% of the large debtors are using the credit card company's card loans, which has a high rate of additional interest burden. The government's policy is that only 6.8 million people will be allowed to issue check cards only due to credit card issuance restrictions (April 9, 2012 / SBS, MBN News Report).
지금의 서민경제 현실은 현금서비스 이율이 년 평균 26% 이상에 이르고 카드 연체율은 30% 이상 육박하고 있으며 이러한 고이율은 신용카드사의 주수입원이 되고 있는 것이다. 더욱이 우리나라 근로노동자 직장인의 64%가 봉급 수령 후 12일이면 월급을 다 쓴다(2011. 6. 12 한국일보)는 사실이 알려져 있고 이러한 사실은 내 월급은 내 것인가 신용카드사의 것인가 하는 우문우답을 하는 실정이다. 이러한 서민경제의 현실은 소비자가 금융유통의 주체임에도 불구하고 그 영리추구는 카드사의 몫이 되었으며 2010년의 카드사의 영업수익은 14조 5천억원을 초과하였다.In the current economy, the average rate of cash advances is more than 26% per year, and the delinquency rate is over 30%. This high rate is the main source of income for credit card companies. Moreover, it is known that 64% of Korean labor workers spend their salaries 12 days after receiving their salary (June 12, 2011, Korea Daily), and this is a question-and-answer about whether my salary is mine or a credit card company. to be. The reality of the common economy is that even though the consumer is the main agent of financial distribution, the profit pursuit is the credit card company's business. In 2010, the operating profit of the card company exceeded KRW 14.45 trillion.
이와 같은 금융 유통이 동맥경화 상태인 금융 현실의 결과 서민 가계경제는 심각하게 정체되어 생필품의 유통소비가 저하되고 소비금융시장 경제는 둔화되고 신용불량자는 증가되어 청년실업자가 증가하고 중소기업의 재투자가 부재한다는 악순환이 이루어지고 있는 실정이다.As a result of the financial reality in which the financial distribution is atherosclerosis, the household economy of the common people is severely stagnant, resulting in a decrease in the consumption of distribution of daily necessities, a slowdown in the consumer financial market economy, an increase in poor credit, an increase in youth unemployment, and no SME reinvestment. There is a vicious cycle of saying that.
따라서 본 발명은 상기와 같은 가계경제와 기업경제의 동맥경화를 뚫기 위한 처방을 예의 연구하던 중 완성하기에 이르렀다.Therefore, the present invention has been completed while intensively studying the prescription for penetrating the arteriosclerosis of the household economy and the corporate economy as described above.
본 발명의 목적은 고객인 사용자의 통장에 현금 잔고가 없어도 금융기관이 책정한 한도 금액 내에서는 365일 무한기간, 무한반복 결제가 가능하도록 하는 선순환 금융 유통방법을 이용하여 일정 금액부터 금융기관이 선순환 체크카드를 고객에게 발급해줌으로써 상기와 같은 국민경제 현실을 타개하고 국가경쟁력 제고를 감안하여 신용불량자를 기사회생시킬 수 있는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법을 제공함에 있다.An object of the present invention is a virtuous cycle from a certain amount by using a virtuous cycle financial distribution method that allows infinite repetitive payment for 365 days indefinitely within the limit amount set by a financial institution even without a cash balance in the user's bank account. By issuing a check card to customers, it provides a method of repaying the principal of a virtuous cycle of interest-free, non-fee-free living expenses immediately using a check card that overcomes the above-mentioned national economic realities and regenerates poor creditors in consideration of enhancing national competitiveness. Is in.
본 발명의 다른 목적은 점진적인 자체 신용평가를 통하여 최대 금액까지 즉시 결제하여 대출해줌으로써 결제일 연체시에도 책정된 한도가 남아 있을 경우 무이자, 무수수료로 자동 대납되도록 하여 신용불량위기에 처한 서민을 구제하고 건전한 카드이용문화를 구축하는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법을 제공하는 데 있다.It is another object of the present invention to pay the loans up to the maximum amount through a gradual self-assessment, so that even when the settlement limit is overdue, automatic payment is made with no interest and no-charge fee to relieve the poor in sound credit and The purpose of the present invention is to provide a method for repaying the principal of a virtuous cycle of interest-free, non-fee-free living expenses and immediate payment using a check card that establishes a card-using culture.
본 발명의 또 다른 목적은 무이자, 무수수료로 생활비 즉시 결제 및 즉시 대출하는 이른바 선순환 금융유통을 달성하는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상황방법을 제공하는 데 있다.Still another object of the present invention is to provide a principal situation method of a virtuous interest-free, non-credit living cost immediate payment loan method using a check card that achieves a so-called virtuous-circulation financial distribution that immediately pays and immediately lends a living cost with no interest and no fee.
상기한 목적을 달성하기 위한 본 발명에 따른 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템은 지주회사에서 회원가입한 회원인 고객의 일정한 사용금액을 보증함으로써 은행에서 사용자에게 무이자 무수수료로 일정한 대출금이 입금된 대출금통장과 원금상환통장 및 카드를 발행하는 통장 및 카드발행수단(10)과; 고객의 카드 사용상태를 확인하는 카드사용 확인수단(20)과; 상기 카드사용 확인수단(20)의 카드 사용상태에 따라 사용한도인 상기 대출금을 증액하는 카드사용 한도액 증액수단(30)과; 무이자 무수수료로 대출해 준 원금의 상환여부를 확인하는 원금상환 운영수단(40)과; 고객의 카드 사용 내역을 관리하는 카드사용 내역 관리수단(50) 및; 각종 정보를 저장하는 다수의 데이터 베이스(DB 1, DB 2, DB 3)로 구성된 것을 특징으로 한다.In order to achieve the above object, a virtuous cycle interest-free non-fee-based living expenses instant payment loan system using a check card according to the present invention guarantees a certain amount of use of a customer who is a member of a holding company, thereby ensuring that the bank has no interest-free fees. A bank book and card issuing means (10) for issuing loans and loan payments and cards for which loans are deposited; Card use checking means 20 for checking a card use state of the customer; Card use limit increasing means (30) for increasing the loan amount used according to the card use state of the card use checking means (20); A principal repayment operation means (40) for checking whether or not to repay the principal loaned without interest-free fees; Card usage history management means (50) for managing a customer's card usage history; It is characterized by consisting of a plurality of databases (DB 1, DB 2, DB 3) for storing a variety of information.
본 발명은 체크카드 시스템을 운영하는 은행이나 체크카드를 사용하는 회원고객인 기업, 개인 및 정부 경제주체 양쪽 모두에게 수입을 극대화하는 효과가 있을 뿐만 아니라 직영가맹점에게는 사회복지제도 개선기금조성 및 각종 발전기금조성용이, 일자리 창출효과가 있고 협력가맹점에게는 고정고객으로 인해 매출증대, 가맹점 브랜드 홍보효과와 서민가계 경제활성화 효과가 있으며 일반가맹점에게는 효율적인 소비로 시장경제를 활성화하고 무이자 경제서비스 혜택으로 삶의 질과 행복지수를 향상시키는 뛰어난 효과가 있다.The present invention not only has the effect of maximizing income to both banks that operate check card systems or corporate customers who use check cards, individuals, and government economic entities, but also to affiliated franchisees to improve social welfare system and to develop various funds. It has the effect of raising funds, creating jobs, and cooperating merchants to increase sales due to fixed customers, promote brand branding and revitalize the economy of ordinary people, and boost the market economy with efficient consumption for general merchants and improve the quality of life through interest-free economic services. And the effect of improving happiness index.
이하 본 발명을 구체적인 실시 예를 들어 상세히 설명하지만, 본 발명의 권리범위가 이에 한정되는 것이 아니고 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 원금 상황방법을 원용하여 얼마든지 이를 변경 실시함으로써 본 발명의 권리범위 내에서 실시할 수 있다 하겠으므로 본 발명은 시스템의 순서와 숫자의 일부 변경을 포함하는 새로운 이용방법에까지 권리범위가 미치는 것은 물론이다.Hereinafter, the present invention will be described in detail with reference to specific embodiments. However, the scope of the present invention is not limited thereto, and the present invention can be changed by any means using the principal situation method of the immediate circulation non-paying living expenses instant payment loan system using the present invention check card. Since the present invention can be carried out within the scope of the present invention, the scope of the present invention extends to a new method of use including a partial change of the order and number of the system.
도 1은 지주회사(G.S.L)의 본사와 은행(W) 본점 간의 MOU체결 및 계약에 의거 지역별 위탁경영시스템을 보여주는 도면,1 is a diagram showing a consignment management system for each region based on a MOU contract and a contract between a head office of a holding company (G.S.L) and a bank (W) headquarter,
도 2는 지주회사(G.S.L) 본사의 사업범위 개요를 나타낸 도면,2 is a view showing the outline of the business scope of the holding company (G.S.L) headquarters,
도 3은 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 블록 구성도,Figure 3 is a block diagram of a virtuous cycle interest-free living expenses immediate payment loan system using the present invention check card,
도 4는 본 발명에 따른 지주회사(G.S.L)와 은행(W) 및 고객 상호간의 상관관계도,4 is a correlation diagram between the holding company (G.S.L) and the bank (W) and customers according to the present invention,
도 5는 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법을 실행하는 순서도,Figure 5 is a flow chart for executing a virtuous cycle interest-free non-cost living expenses instant payment loan method using the present invention check card,
도 6은 도 5의 카드사용 확인단계의 상세한 순서도,6 is a detailed flowchart of the card use confirmation step of FIG.
도 7은 본 발명에 따른 대출금 증액의 순서도,7 is a flow chart of a loan increase according to the present invention,
도 8a 및 도 8b는 대출금 즉, 책정 한도액 증액 방법의 실시예를 보여주는 순서도,8a and 8b is a flow chart showing an embodiment of a loan, that is, a method of increasing a limit.
도 9a 및 도 9b는 원금상환의 실시예를 보여주는 순서도,9a and 9b is a flow chart showing an embodiment of principal repayment,
도 10은 본 발명에 따른 원금상환의 순서도.10 is a flow chart of principal repayment according to the present invention.
도 11은 본 발명에 따른 효과적인 장점을 나타낸 도면,11 is a view showing an effective advantage according to the present invention,
도 12는 본 발명에 따른 가맹점의 실시도를 나타낸 도면이다.12 is a view showing an embodiment of an affiliated store according to the present invention.
이하, 첨부 도면을 참조하여 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 원금 상환방법의 바람직한 실시예를 상세하게 설명한다.Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the method for repaying the principal of the pre-circulation free interest-free living expenses immediate payment loan system using the present invention check card.
본 발명에 대하여 설명하기 전에 먼저 도 4를 참조하여 본 발명에 따른 지주회사(G.S.L)와 은행(W) 및 고객 상호간의 관계에 대하여 설명한다.Before describing the present invention, first of all, the relationship between the holding company (G.S.L), the bank (W), and the customers according to the present invention will be described with reference to FIG.
도 1은 지주회사(G.S.L)의 본사와 은행(W) 본점 간의 MOU체결 및 계약에 의거 지역별 위탁경영시스템을 보여주는 도면으로서, 도 1에 도시한 바와 같이 선순환, 선투자 금융유통방법을 도입하고자 하는 은행(W) 본점과 지주회사(G.S.L) 본사간 계약에 의하여 선순환 체크카드시스템 운영을 위한 MOU를 체결하고, 선순환, 선투자 금융유통시스템 개발을 위하여 은행(W) 본점과 지주회사(G.S.L) 본사와 계약이 완료되면 운영시스템 개요를 작성한다.1 is a diagram showing a consignment management system for each region based on a MOU contract and a contract between a head office of a holding company (GSL) and a main office of a bank (W). As shown in FIG. 1, a bank intending to introduce a virtuous cycle and pre-investment financial distribution method. (W) Signed an MOU for the operation of the virtuous cycle check card system by the agreement between the head office and the head office of the holding company (GSL), and contracted with the head office of the bank (W) and the head office of the holding company (GSL) for the development of the virtuous circulation and pre-investment financial distribution system. When this is complete, create an operating system overview.
운영시스템 개요는 지주회사(G.S.L)가 작성하고 은행(W) 본점이 승인하도록 구성한다. 운영시스템의 작성은 양측 본사에 컴퓨터프로그램 소프트웨어(SW; Software)를 공유하고 SW를 운영할 하드웨어(HW; Hardware)를 구성한다. SW 개발은 은행(W)이 참여하고 지주회사(G.S.L)가 주도한다. HW는 은행(W)과 지주회사(G.S.L) 본사 중 어느 하나 또는 양측에 모두 설치할 수 있다.The operating system outline is prepared by the holding company (G.S.L) and configured for approval by the bank (W) headquarters. The creation of the operating system shares the computer program software (SW; Software) at both headquarters and constitutes the hardware (HW) to operate the SW. SW development is led by banks (W) and holding companies (G.S.L). HW can be installed at either or both banks and headquarters of the holding company (G.S.L).
본 발명의 원활한 실시를 위한 HW에는 CPU를 포함한 컴퓨터 본체와 터미널 컴퓨터(Terminal Computer) 등을 포함한다.The HW for smooth implementation of the present invention includes a computer main body including a CPU, a terminal computer, and the like.
본 발명 실시에 바람직한 HW는 SW를 가장 원활하게 운영할 수 있는 수준으로 지주회사(G.S.L)가 발주하여 시설과 노하우(Know-How)를 제공한다. 모든 프로그램(Program)은 은행(W) 본점과 지주회사(G.S.L)가 공유하게 하여 보완 수리가 언제든지 가능하게 한다. 터미널 컴퓨터(Terminal Computer; 이하, "T.C"라 함)의 수는 지주회사(G.S.L)의 사업수에 따라 적절하게 확보하고 은행(W)의 각 지점은행과 공유하게 하는 것이 바람직하다.Preferred HW in the practice of the present invention is the level that can operate the SW most smoothly, the holding company (G.S.L) ordered to provide facilities and know-how (Know-How). All programs are shared between the bank (W) headquarters and the holding company (G.S.L) to enable complementary repairs at any time. The number of terminal computers (hereinafter referred to as "T.C") should be appropriately secured according to the number of businesses of the holding company (G.S.L) and shared with each branch bank of the bank (W).
도 2는 지주회사(G.S.L) 본사의 사업범위 개요를 나타낸 도면으로서, 사업은 T.C의 설치운영사항을 이해할 수 있도록 운영되어야 한다. 지주회사(G.S.L)의 본사는 100% 직영운영하고 모든 직원은 4대 보험을 적용하여 경영안정을 도모하게 함이 좋다. 또 경영실적에 대한 인센티브제를 적용하여 경영실적의 제고를 기하는 것이 바람직하고 결과적으로 대한민국 국내 고용창출과 실업율 감소에 기여한다.2 is a view showing the outline of the business scope of the holding company (G.S.L) headquarters, the business should be operated to understand the installation operation of the T.C. The head office of the holding company (G.S.L) operates 100% directly, and all employees should apply four insurances to ensure business stability. In addition, it is desirable to improve management performance by applying incentives to management performance, consequently contributing to the creation of employment and unemployment rate in Korea.
한편, 각 지역별 단체 위탁경영관리시스템을 초기 3 ∼ 4개 사업사에서 경영관리시스템이 만족스럽거나 성공적으로 운영되는 데에 그 수를 증가시키는 방안으로 사업계획서를 수립한다 (도 2 참조).On the other hand, a business plan is established to increase the number of the group management management system for each region in the initial three to four business enterprises satisfactorily or successfully operated (see Fig. 2).
각 지역단체 위탁경영관리시스템은 최대의 수익창출을 목표로 구성하여야 하지만 지역경제를 활성화할 수 있는 공동목표가 달성될 수 있도록 구성되어야 한다.Each regional organization's commissioned management system should be designed to maximize profits, but it must be structured to achieve a common goal of revitalizing the local economy.
도 3은 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 블록 구성도, 도 4는 본 발명에 따른 지주회사(G.S.L)와 은행(W) 및 고객 상호간의 상관관계도, 도 5는 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법을 실행하는 순서도, 도 6은 도 5의 카드사용 확인단계의 상세한 순서도, 도 7은 본 발명에 따른 대출금 증액의 순서도, 도 8a 및 도 8b는 대출금 즉, 책정 한도액 증액 방법의 실시예를 보여주는 순서도, 도 9a 및 도 9b는 원금상환의 실시예를 보여주는 순서도, 도 10은 본 발명에 따른 원금상환의 순서도. 도 11은 본 발명에 따른 효과적인 장점을 나타낸 도면, 도 12는 본 발명에 따른 가맹점의 실시도를 나타낸 도면으로서, 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 블록 구성도로서, 본 발명에 따른 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템은 지주회사(G.S.L)에서 회원가입한 회원인 고객의 일정한 사용금액을 보증함으로써 은행에서 사용자에게 무이자 무수수료로 일정한 대출금이 입금된 대출금통장과 원금상환통장 및 카드를 발행하는 통장 및 카드발행수단(10)과; 고객의 카드 사용상태를 확인하는 카드사용 확인수단(20)과; 상기 카드사용 확인수단(20)의 카드 사용상태에 따라 사용한도인 상기 대출금을 증액하는 카드사용 한도액 증액수단(30)과; 무이자 무수수료로 대출해 준 원금의 상환여부를 확인하는 원금상환 운영수단(40)과; 상기 지주회사(G.S.L)의 보증금액에 대하여 금리를 정산하는 금리관리수단(50) 및; 고객의 카드 사용 내역을 관리하는 카드사용 내역 관리수단(60) 및; 각종 정보를 저장하는 다수의 데이터 베이스(DB 1, DB 2, DB 3)로 구성되어 있다.FIG. 3 is a block diagram of a system for immediately paying a non-returnable fee-free living expenses using a check card according to the present invention. FIG. 4 is a correlation diagram between a holding company (GSL), a bank (W), and a customer according to the present invention. Figure 6 is a flow chart for executing a virtuous cycle interest-free living expenses immediate payment loan method using the present invention check card, Figure 6 is a detailed flowchart of the card use confirmation step of Figure 5, Figure 7 is a flow chart of the increase of the loan according to the present invention, Figure 8a and Figure 8b is a flow chart showing an embodiment of a loan, that is, a method of increasing a limit, Figures 9a and 9b is a flow chart showing an embodiment of a principal repayment, Figure 10 is a flow chart of a principal repayment according to the present invention. 11 is a view showing an effective advantage according to the present invention, Figure 12 is a view showing an embodiment of the merchant according to the present invention, a block diagram of a virtuous cycle interest-free and no-cost living expenses immediate payment loan system using the present invention check card, Pre-payment loan system with a virtuous interest-free fee-free living expenses using a check card according to the present invention guarantees a certain amount of use of a customer who is a member of the holding company (GSL) by a certain amount of loans are deposited to the user at a bank with no interest-free fees A bankbook and card issuing means (10) for issuing a loan bankbook and a principal repayment bankbook and a card; Card use checking means 20 for checking a card use state of the customer; Card use limit increasing means (30) for increasing the loan amount used according to the card use state of the card use checking means (20); A principal repayment operation means (40) for checking whether or not to repay the principal loaned without interest-free fees; Interest rate management means (50) for calculating interest rates for the deposit amount of the holding company (G.S.L); Card usage history management means (60) for managing a customer's card usage history; It consists of a number of databases (DB 1, DB 2, DB 3) that store various kinds of information.
상기 카드는 체크카드인 것이 바람직하고, 상기 통장 및 카드발행수단(10)은 은행(W)이 구비하는 구성으로 도 4에 도시한 바와 같이 고객으로부터 원금상환통장 개설의 신청이 있는 경우 고객이 지주회사(G.S.L)에서 보증한 고객인지를 확인하여 보증한 고객인 경우 대출금통장과 원금상환통장 및 카드를 발행하게 되며, 고객의 보증은 지주회사(G.S.L)에서 해당 고객의 몫으로 일정한 금액을 은행(W)을 통해 대출금통장에 입금하는 것이다. Preferably, the card is a check card, and the bankbook and the card issuing means 10 are configured to be provided by the bank W. As shown in FIG. If the customer is confirmed by the company (GSL), the customer will be issued a loan passbook, a repayment pass card, and a card. The guarantee of the customer is made by the holding company (GSL). Through W) to deposit into the bank account.
상기 카드사용 확인수단(20)은 고객의 종류에 따라 그 카드사용 확인을 달리하는 바, 일반회원인 경우 120만원 까지, VIP회원인 경우 900만원 까지, 슈퍼 VIP회원인 경우 1,200만원 까지, 프레스티지(Prestige)회원인 경우 1,500만원까기 지주회사(G.S.L)에서 보증하게 되므로 이와 같이 사용한도로 하여 확인하게 된다.The card use confirmation means 20 is different from the card use confirmation according to the type of customer, up to 1.2 million won for general members, up to 9 million won for VIP members, up to 12 million won for super VIP members, Prestige ( Prestige members will be guaranteed by GSL for up to 15 million won.
상기 카드사용 한도액 증액수단(30)은 일정 기간 카드의 사용이 정상적인 경우, 지주회사(G.S.L)의 보증한도 증액으로 고객의 등급을 높여 카드의 사용한도를 증액시키는 것이다.The card usage limit increase means 30 increases the usage level of the card by raising the grade of the customer by increasing the guaranteed limit of the holding company (G.S.L) when the use of the card is normal.
또한, 상기 원금상환 운영수단(40)은 지주회사(G.S.L)가 구비하는 구성으로, 상기 카드사용 확인수단(20)으로 확인한 고객의 카드 사용 내역과 원금의 경제방법에 따라 원금의 상환이 제대로 이루어지는 지를 확인하는 수단이다.In addition, the principal repayment operation means 40 is a configuration provided by the holding company (GSL), the payment of the principal is properly made according to the card usage history of the customer confirmed by the card use confirmation means 20 and the economic method of the principal Means to verify
상기 금리관리수단(50)은 지주회사(G.S.L)가 고객의 보증을 위해 은행(W)에 입금한 비용에 대한 이자를 은행(W)이 지주회사(G.S.L)에 지불하는 것을 확인하는 수단이다.The interest rate management means 50 is a means for confirming that the bank (W) pays the holding company (G.S.L) interest on the expense that the holding company (G.S.L) deposited in the bank (W) for the guarantee of the customer.
상기 카드사용 내역 관리수단(60)은 고객별로뿐만 아니라 고객의 등급별로 카드사용 내역을 관리하고, 해당 데이터를 데이터 베이스(DB 1, DB 2, DB 3)에 고객정보로서 저장하는 것이 바랍직하다.The card usage history management means 60 preferably manages the card usage history not only for each customer but also for each grade of the customer, and stores the corresponding data in the databases DB1, DB2, and DB3 as customer information.
한편, 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법 고객이 로그인하여 지주회사(G.S.L)에 회원으로 가입하는 회원가입단계(S1단계)와; 통장 및 카드발행수단(10)으로 지주회사(G.S.L)에서 보증한 고객에게 고객의 신청에 의해 대출금통장과 원금상환통장 및 카드를 발행하는 통장 및 카드 발행단계(S2단계)와; 카드사용 확인수단(20)으로 고객의 카드사용 내역을 확인하는 카드사용 확인단계(S3단계)와; 상기 카드사용 확인단계(S3단계)의 카드사용 상태에 따라 카드사용 한도액 증액수단(30)으로 카드의 사용한도를 증액하는 사용한도 증액단계(S4단계)와; 원금상환 운영수단(40)으로 고객의 원금상환을 관리하는 원금상환 관리단계(S5단계)와; 금리관리수단(50)으로 지주회사(G.S.L)에서 보증한 고객의 보증금에 대하여 금리를 산출하여 지주회사(G.S.L)에 자동으로 지불하는 금리관리단계(S6단계); 카드사용 내역 관리수단(60) 카드사용 내역을 관리하여 계좌정보로서 데이터 베이스(DB 1) 저장하는 카드사용 내역 관리단계(S7단계) 및; 데이터 베이스(DB 1, DB 2, DB 3)에 고객원장, 계좌원장, 고객정보, 계좌정보 및 계정시스템을 저장하는 테이터 관리단계(S8단계)로 이루어진 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상황방법에 있어서; 상기 원금상환 관리단계(S5단계)는 회원 확인단계(S101 ∼ S104단계)와; 20일동안 회원 종류별로 사용금액을 확인하는 사용금액 확인단계(S105단계)와; 상기 사용금액 확인단계(S105단계)에서 잔고 여부를 확인하는 잔고 확인단계(S106단계)와; 상기 잔고 확인단계(S106단계)에서 잔고가 있는 것으로 확인된 경우 21일부터 잔고에서 매일 일정 금액씩 상환하는 잔고상환단계(S107단계) 및; 상기 잔고 확인단계(S106단계)에서의 확인 결과 잔고가 없는 경우 증액한 대출금으로 상환하는 대출금 상환단계(S108)로 이루어진다.On the other hand, the membership payment step (S1 step) for the customer to log in and sign up as a member of the holding company (G.S.L) of the method of the instant circulation payment method of the non-recurring interest-free living expenses using the check card of the present invention; A bankbook and card issuing step (S2 step) for issuing a loan bankbook and a principal repayment bankbook and a card at the customer's application to the customer guaranteed by the holding company (G.S.L) as a bankbook and card issuing means (10); A card use confirming step (S3 step) of confirming the card use history of the customer by the card use confirming means 20; A usage increase step (S4 step) of increasing the usage of the card by the card use limit increase means 30 according to the card use state of the card use check step (S3 step); A principal repayment management step (step S5) of managing the principal repayment of the customer by the principal repayment operation means 40; An interest rate management step (S6) of calculating interest rates on a deposit of the customer guaranteed by the holding company (G.S.L) and automatically paying the holding company (G.S.L) as the interest rate management means (50); Card usage history management means (60) Card usage history management step of managing the card usage history and stores the database (DB 1) as account information (step S7); Instant payment of virtuous interest-free and no-cost living expenses using a check card consisting of a data management step (step S8) that stores customer ledger, account ledger, customer information, account information and account system in the database (DB 1, DB 2, DB 3) In principal method of loan method; The principal repayment management step (step S5) is a member verification step (steps S101 to S104); A use amount checking step (S105) of checking the use amount for each type of member for 20 days; A balance check step (S106) of checking whether or not the balance is used in the use amount checking step (S105); If the balance is confirmed in the balance check step (S106), the balance repayment step (S107 step) for repaying by a predetermined amount from the balance every day from the 21st; When there is no balance as a result of the checking in the balance checking step (S106), a loan repayment step (S108) for repaying the increased loan.
여기서 회원 종류별로 매일 상환하는 상환 금액이 상이하게 된다. 예컨대 60만원을 대출한 일반회원인 경우 매일 30,000원씩 상환하며, VIP회원인 경우 매일 60,000원씩, 슈퍼VIP회원인 경우 매일 90,000원씩 상환하고, 프레스티지(Prestige)회원인 경우 매일 120,000원씩 상환하게 된다.Here, the repayment amount to be repaid each day by member type is different. For example, a regular member who borrows 600,000 won will be repaid for 30,000 won per day. For a VIP member, 60,000 won will be repaid every day. For a super VIP member, 90,000 won will be repaid every day, and for a prestige member, 120,000 won will be repaid each day.
상기 금리관리단계(S6단계)는 지주회사(G.S.L)에서 고객의 보증을 위해 은행(W)에 입금한 금액에 대한 이자를 은행에서 고객의 사용금액을 실시간으로 제외하고 나머지 금액에 대하여 실시간으로 이자를 산출하여 지주회사(G.S.L)에 지불하는 것이다.The interest rate management step (S6 step) is interest on the amount deposited by the holding company (GSL) to the bank (W) for the customer's guarantee in real time interest on the remaining amount excluding the customer's use amount in the bank Calculate and pay to the holding company (GSL).
상기 통장 및 카드 발행단계(S2단계)는 발행통장으로 대출금통장과 원금상환통장을 발행하고, 발행 카드로 체크카드를 발행하는 것이 바람직하다.The passbook and card issuing step (step S2) issuing the loan bank and the principal repayment bankbook as the issuing bank, it is preferable to issue a check card to the issuing card.
상기 카드사용 확인단계(S3단계)는 회원의 종류를 확인하는 회원 확인단계(S11 ∼ S14단계)와; 일정기간 동안의 카드 사용을 확인하는 카드 일정기간 사용 확인단계(S15, S16단계)와; 일정 기간동안 원금의 상환을 확인하는 원금상환 확인단계(S17, S18단계)와; 대출금의 한도액을 확인하는 한도액 확인단계(S19 ∼ S22단계) 및; 대출금 증액을 승인하는 대출금 증액 승인단계(S23 ∼ S26단계)로 이루어 진다.The card use confirmation step (step S3) includes a member confirmation step (steps S11 to S14) for checking the type of the member; Checking a certain period of time of use of the card for confirming the use of the card for a certain period of time (steps S15 and S16); A principal repayment checking step (S17, S18 step) for checking the repayment of the principal for a certain period; Limit amount checking step (S19 ~ S22 step) to check the limit of the loan; The loan increase approval step (S23 ~ S26 step) is approved to increase the loan.
또한, 상기 카드사용 확인단계(S3단계)는 먼저 사용자가 20일 동안 책정 금액을 100% 사용한 후 60일 또는 90일 동안 원금의 70%를 상환한 경우와, 60일 동안 또는 90일 동안 책정 금액을 100% 사용과 함께 원금의 70%를 상환한 경우로 구분하여 대출금 증액을 판단하게 된다.In addition, the step of confirming the use of the card (step S3) is performed when the user first uses 100% of the amount set for 20 days and then repays 70% of the principal for 60 days or 90 days, and the amount set for 60 days or 90 days. The amount of loan will be increased by dividing 70% of the principal with 70% of the principal.
다음에는 실시예로서 본 발명을 보다 구체적으로 설명한다.Next, the present invention will be described in more detail as examples.
실시예Example
본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템방법은 먼저 회원가입단계(S1단계)에서 고객이 컴퓨터상으로 로그인하여 지주회사(G.S.L)에 회원으로 가입하는 데 이때 지주회사(G.S.L)는 우량회원을 회원으로 가입시키기 위해 지주회사(G.S.L)의 주식을 갖고 있는자 만을 회원으로 하거니 일정한 금액을 담보한 고객만을 회원으로 가입시킬 수 있고, 지주회사(G.S.L)는 이러한 고객을 회원으로 은행(W)에 보증하고, 즉, 고객에게 대출할 금액을 담보한다.In the method of the present invention, the cyclical interest-free living expenses instant payment loan system method using the check card is first registered as a member of the holding company (GSL) by logging in on the computer at the member registration step (step S1). In order to join a good member as a member, only a person who holds shares of the holding company (GSL) can join as a member, and only a customer who has a certain amount of money can join as a member, and the holding company (GSL) can make such a member a member. It guarantees to the bank (W), that is, guarantees the loan to the customer.
그에 따라 은행(W)은 고객에게 원금상환통장과 대출금통장을 발행해 줌과 동시에 체크카드를 발행해 준다(S2단계).Accordingly, the bank (W) issues a principal and a loan account to the customer, and at the same time issues a check card (step S2).
그러면, 고객은 일정한 기간동안 일정한 금액을 체크카드로서 사용하게 되는데, 카드의 사용은 도 4에 도시한 바와 같이 생필품 구입에 사용하게 되고, 생필품의 제조회사나 판매회사 등은 지주회사(G.S.L)의 직영점 및 일반 가맹점으로 한정한다.Then, the customer will use a certain amount of money as a check card for a certain period of time, the use of the card is used to purchase the necessities as shown in Figure 4, the manufacturer or sales company of the necessities of the holding company (GSL) Limited to retail stores and general affiliated stores.
다음으로 카드사용 확인단계(S3단계)에서 카드사용 확인수단(20)으로 일정 기간의 카드 사용을 확인하고, 사용한도 증액단계(S4단계)에서 상기 카드사용 확인단계(S3단계)의 카드사용 상태에 따라 카드사용 한도액 증액수단(30)으로 카드의 사용한도를 증액하게 된다.Next, in the card use confirmation step (step S3), the card use confirmation means 20 confirms the use of the card for a certain period, and in the increase in the use step (step S4), the card use state in the card use confirmation step (step S3). In accordance with the card usage limit increase means 30 to increase the usage of the card.
상기 원금상환 관리단계(S5단계)에서는 원금상환 운영수단(40)으로 고객이 대출한 금액의 원금을 상환하고, 금리관리단계(S6단계)에서 지주회사(G.S.L)가 고객을 보증하기 위해 은행(W)에 입금한 금액에서 고객이 산용한 금액을 제하고 나머지 금액에 대하여 이자를 산출하여 지주회사(G.S.L)에 지급해 주게 된다.In the principal repayment management step (S5 step) to repay the principal of the amount loaned by the customer to the principal repayment operation means 40, in the interest rate management step (S6 step) the holding company (GSL) to guarantee the customer bank ( W) The amount deposited by the customer is subtracted from the amount used by the customer, and the interest is calculated on the remaining amount and paid to the holding company (GSL).
상기 카드사용 내역 관리단계(S7단계)에서 카드사용 내역 관리수단(60)의 카드사용 내역을 관리하여 계좌정보로서 데이터 베이스(DB 1) 저장하고, 테이터 관리단계(S8단계)에서 데이터 베이스(DB 1, DB 2, DB 3)에 고객원장, 계좌원장, 고객정보, 계좌정보 및 계정시스템을 저장한다.The card usage history management step (step S7) manages the card usage history of the card usage history management means 60 to store the database (DB 1) as account information, and the database (DB) in the data management step (step S8) 1, DB 2, DB 3) stores the customer ledger, account ledger, customer information, account information and accounting system.
실시예 1Example 1
사용한도 증액Increased usage
상기 카드사용 확인단계(S3단계)의 카드사용 상태에 따라 카드사용 한도액 증액수단(30)으로 카드의 사용한도를 증액하게 되는 데 일정한 기간 동안의 규정된 카드의 사용과 원금상환에 따라 도 8a와 같이 100% 한도액 사용 후 한도액을 증액하는 방법과 도 8b와 같이 일정한 기간에 한도액을 100% 사용하지 않은 경우 한도액을 증액하는 방법이 있다.According to the use of the card and the repayment of the prescribed card for a certain period of time to increase the usage of the card by the card use limit increasing means 30 according to the card use state of the card use checking step (step S3). Likewise, there is a method of increasing the limit after using the 100% limit and a method of increasing the limit if the limit is not 100% used for a predetermined period as shown in FIG. 8B.
예컨대, 하기와 같이 책정한도를 100% 사용 후, 원금상환이 60일 기준 70%일 때에 1등급 한도증액하고, 책정한도를 100% 사용 후, 원금상환이 60일 기준 60%일 때에 2등급 한도증액하며, 책정한도를 100% 사용 후, 원금상환이 60일 기준 50%일 때에 3등급으로 한도금을 증액하는 방식으로 조정한다.For example, after using 100% of the set limit as follows, the 1st grade limit will be increased when the principal's repayment is 70% based on 60 days. After using 100% of the set limit, increase the limit to Level 3 when the principal repayment is 50% in 60 days.
Figure PCTKR2013005422-appb-I000001
Figure PCTKR2013005422-appb-I000001
또, 책정한도를 100% 사용 후, 원금상환이 90일 기준(분기) 70%일 때에 1등급 한도증액하고 책정한도를 100% 사용 후, 원금상환이 90일 기준(분기) 60%일 때에 2등급 한도증액하며, 책정한도를 100% 사용 후, 원금상환이 90일 기준(분기) 50%일 때에 3등급으로 한도금을 증액하는 방식으로 하기와 같이 조정한다.In addition, after 100% of the usage limit is used, if the principal's repayment is 70% based on 90 days (quarterly), the 1st grade limit is increased. After the usage limit is increased to 100% and the principal payment is 50% based on 90 days (quarterly), increase the limit to Level 3 and adjust as follows.
Figure PCTKR2013005422-appb-I000002
Figure PCTKR2013005422-appb-I000002
실시예 2Example 2
사용한도 증액Increased usage
본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 바람직한 실시예에 따르면, 은행(W) 각 지점에서 고객에게 매 분기마다 300만원씩 평생동안 무이자, 무수수료로 반복되도록 하여 돈의 스트레스에서 탈출하도록 선순환 체크카드시스템이 도입 운영한다. According to a preferred embodiment of the present invention, a virtuous interest-free, no-cost living expenses instant payment loan system using the check card, the stress of money by repeating the interest-free, no-charge fee for the customer every three million won every quarter at each branch of the bank (W) A virtuous cycle check card system is introduced to escape from the country.
고객의 카드 한도금액은 최초한도 (A)60만원과 추가한도(B)60만원으로 구분하고 최초 사용한도 60만원 회원(일반회원)의 경우, 체크카드 발행 2개월 후 60만원 추가한도(B)로 올려 120만원을 카드 사용 한도금액으로 해주고, 등급은 VIP회원으로 해준다. 또, 최초한도(A) 120만원으로 책정한 고객에게는 2개월 후 추가한도(B)120만원을 인상하여 240만원을 카드 사용한도로 하고 등급을 VIP회원으로 한다. 또, 최초한도(A)를 900만원으로 책정한 고객에게는 2개월 후 추가한도(B)를 300만원 인상하여 카드 사용한도가 1,200만원의 슈퍼(Super) VIP 고객으로 등급이 상향 조정되며 이러한 방식으로 최초 사용한도(A)를 1,200만원으로 책정한 고객회원은 2개월 후 추가한도(B)를 300만원 인상하여 카드 사용한도를 1,500만원으로 함으로서 프레스티지(prestige) 고객으로 등급이 상향 조정되게 한다(도 8a, 도 8b 참조).Customer's card limit is divided into the initial limit (A) 600,000 won and the additional limit (B) 600,000 won.In the case of the initial usage of 600,000 won members (regular members), the additional limit of 600,000 won is added two months after the issuance of the check card. Raise the amount up to 1.2 million won as the credit card usage limit, and rank as VIP member. In addition, the customer who set the initial limit (A) to 1.2 million won will increase the additional limit (B) 1.2 million won after two months to use 2.4 million won as a card and make the grade a VIP member. In addition, the customer who set the initial limit (A) to 9 million won will raise the additional limit (B) by 3 million after 2 months, and the card usage will be upgraded to a super VIP customer of 12 million won. After two months, the customer member who set the initial usage limit (A) to 12 million won raises the additional limit (B) by 3 million won to raise the credit card usage to 15 million won so that the grade can be upgraded to a prestige customer. 8a, see FIG. 8b).
실시예 3Example 3
대출방법Loan method
본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템 및 대출방법 선순환 금융유통방법에 따르면 통장잔고와 관계없이 카드 고객이 책정한도를 100% 사용 후, 예컨대 원금상환방법은 1일 사용한 것을 20일 후 매일 결제하는 과정에서 책정한도 100% 사용이 20일 전일 수도 있고, 20일 후일 수도 있다. 또, 책정한도의 100% 사용이 20일 전일 때에는, 100% 사용 후 익일부터 원금상환하고, 책정한도의 100% 사용이 20일 후일 때에는 남은 한도에서 자동으로 결제 후, 책정한도 100% 사용 후에 통장잔고에서 원금상환이 이루어지도록 되어 있다.According to the present invention, the cardholder's credit card system uses a check card and a loan method. During the daily payment after days, the 100% usage limit may be 20 days before or 20 days later. If the usage limit is 100 days before 20 days, 100% of the usage limit will be repaid from the next day.If the usage limit 100% is 20 days after the payment is made, the remaining limit is automatically settled. Repayments will be made from the balance.
즉, 원금상환기일이 10일 전일 수도 있고, 10일 후일 수도 있으며 20, 25, 30, 35, 40, 45, 50, 55, 60일 수도 있어서 고객이 돈의 스트레스에서 탈출하고 행복감을 높여 신규고객창출이 가능하다.In other words, the repayment date may be 10 days before, 10 days after, or 20, 25, 30, 35, 40, 45, 50, 55, 60. It can be created.
고객이 금융기관에서 책정한 한도를 사용 후 무이자 무수수료로 원금을 상환하는 과정에서 책정된 한도가 60 만원일 때 책정된 한도를 100% 사용하였다면 다음 사용할 때에는 사용하는 금액만큼 원금상환이 즉시 결제되어 사용할 수 있다.If the customer used 100% of the limit set in the process of repaying the principal with no interest-free fees after using the limit set by the financial institution, and the next limit is used, the principal will be immediately reimbursed for the amount used. Can be used.
이때 고객이 체크카드를 더 이용하고자 한다면 고객의 통장의 잔고에서 금융기관에서 책정한 한도의 통장에 원금상환이 즉시 결제되어 책정된 한도가 남아 있으므로 즉시 대출로 인한 체크카드 단말기 즉, 가맹점에서 동시에 이루어져서 승인 결제가 되는 것이다.At this time, if the customer wants to use the check card more, the principal's repayment is immediately settled in the bank account of the customer's bank account and the limit of the bank account is established at the same time. The payment is approved.
예를 들면 책정한도가 60 만원일 때에 1일 3만원씩 사용하였다면 20일이면 100%를 사용하였고 21일째에 3만원의 원금상환 결제가 되어 21일째에 남은 한도 3만원을 사용할 수 있는 것이다.For example, if the limit is set to 600,000 won, if you used 30,000 won a day, you would use 100% if it was 20 days, and you would be able to use the remaining limit of 30,000 won on the 21st day.
그러나 1일에 사용한 금액이 3만원이고 21일에 사용한 금액이 5만원이라면 2만원 더 사용한 금액이 바로 원금상환 결제가 되고 남은 한도에서 즉시 대출이 이루어져 가맹점 즉, 체크카드 단말기에서 승인결제되는 것을 의미한다.However, if the amount used on the 1st day is 30,000 won and the amount used on the 21st is 50,000 won, it means that the amount of 20,000 won is used for payment of repayment immediately and the loan is immediately made at the remaining limit. do.
실시예 4Example 4
원금상환방법(매월 1 ∼20일까지 매일 3만원을 사용한 경우)Repayment method (when you use 30,000 won every day from 1-20 days per month)
고객이 책정한도를 처음 사용하는 날을 (1)이라고 하고 (1)부터 (20)까지 매일 3만원을 사용하여 책정한도 60만원을 100%사용하였고, (21)에 3만원이 원금상환결제가 되어 3만원을 사용할 수 있다.The day when the customer first used the limit was called (1), and 100% of the limit was used, using 30,000 won every day (1) through (20). 30,000 won can be used.
원금상환방법(매월 1 ∼ 20일까지 매일 3만원보다 적게 사용한 경우)Repayment method (when using less than 30,000 won every day from 1 to 20 days per month)
매월 1 ∼ 20일까지 매일 3만원보다 적게 사용한 경우에는 다음날 책정된 한도보다 더 많이 사용하기 때문에 1회 이상 즉시 결제, 대출이 반복될 수 있다.If you use less than 30,000 won every day from 1 to 20 days per month, you can use more than the limit set the next day, so payment and loan can be repeated more than once.
그러나, (21)에 3만원보다 적게 사용할 수 있고 3만원보다 더 많이 사용할 수 있다. 이때 책정한도가 100%일 때 고객이 카드단말기에 체크한 금액승인을 기다릴 때 고객의 통장의 잔고에서 날짜와 관계없이 원금상환 결제가 되고 책정된 한도의 남은 금액만큼 즉시 대출되어 단말기에서 승인결제가 동시에 이루어지는 것이다. 이와 같은 이유로 하루에도 여러 번 반복으로 승인과 결제가 진행될 수 있다.However, you can use less than 30,000 won and more than 30,000 won in (21). At this time, when the limit is 100%, when the customer waits to approve the amount checked on the card terminal, the principal's balance is paid out regardless of the date and is immediately loaned as much as the remaining amount of the limit. It is done at the same time. For this reason, approval and payment can be repeated several times a day.
따라서, 정체 없는 자동 선순환 무이자, 무수수료 체크카드 생활비 즉시결제 대출이 1일 1회가 될 수 있고, 2회가 될 수 있으며 고객이 사용하기에 따라서 1일 10회 이상이 될 수도 있다.Therefore, the automatic virtuous interest-free, no-fee check card living expenses immediate payment loan can be once a day, two times, or more than 10 times a day depending on the customer's use.
이렇게 되면, 서민 가계경제에 도움을 주고 지속적인 성장을 주도하며 사회복지에 기여할 수 있으며 정체 없는 자동 선순환 금융유통 시스템으로 금융, 기업, 서민, 사회 복지 등 모두와 함께 동반성장이 가능한 효과가 있다.This will help the common people's household economy, lead sustainable growth, and contribute to social welfare, and it is possible to grow together with the financial, corporate, common people, social welfare, etc. with an automatic, virtuous circulation system.
본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템의 바람직한 실시예에 따르면 지주회사(G.S.L) 본사와 은행(W) 본점 및 회원인 고객간에 도 5와 같은 선순환 금융유통방법이 운영된다.According to a preferred embodiment of the present invention, a virtuous interest-free, no-cost living expenses immediate payment loan system using the check card, a virtuous cycle financial distribution method as shown in FIG. 5 is operated between the holding company (G.S.L) headquarters and the bank (W) headquarters and the customer.
도 6에서 알 수 있는 바와 같이 지주회사(G.S.L) 본사는 계약당사자 은행(W) 본점과 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템 공동운영에 관한 계약에 의거 상호간 회원보증 및 이자지급보증을 하고 이어 지주회사(G.S.L) 본사의 고객이 통장개설을 요구하는 경우 은행(W) 본점은 각 지점을 통하여 발행하게 되며 고객이 지주회사(G.S.L) 본사에 회원가입 신청이 이루어지며 이에 따라 지주회사(G.S.L) 본사는 고객에게 서비스가 제공된다.As can be seen in Figure 6, the holding company (GSL) headquarters is a mutual guarantee of membership and interest under the contract of the contracting party bank (W) headquarters and the joint operation of the system for the immediate circulation of interest-free, zero-cost living expenses loan system using the present invention check card In case of guaranteeing payment and then the customer of GSL headquarters requests opening of bank account, the bank (W) head office will be issued through each branch, and the customer will apply for membership to the holding company (GSL) headquarters. The holding company (GSL) headquarters serves its customers.
고객의 서비스는 지주회사(G.S.L) 본사의 가맹점으로부터 상품구매요청을 하게 되고 이때 고객은 은행(W) 각 지점을 통하여 발급받은 체크카드를 사용하여 서비스 대금 지급을 실시한다.The customer's service is requested to purchase a product from the affiliated company of the holding company (G.S.L), and the customer pays the service using the check card issued through each branch of the bank (W).
한편, 지주회사(G.S.L) 본사는 도 2에 도시한 바와 같은 다양한 서비스를 수행하는 가맹점을 설치 운영하게 되어 있어서 고객의 어떠한 서비스 요구에도 양질의 서비스를 제공할 수 있다. 가맹점은 지주회사(G.S.L) 본사가 기획하는 어떠한 서비스이어도 좋다. 그러나, 지주회사(G.S.L) 본사는 고객에게 제공할 서비스와 상품의 종류에 따라 일반가맹점, 직영가맹점 및 협력가맹점으로 분류하여 운영할 수 있음은 물론이다.On the other hand, the holding company (G.S.L) headquarters is to install and operate an affiliate store that performs a variety of services as shown in Figure 2 can provide a quality service to any service needs of customers. The affiliated store may be any service planned by the holding company (G.S.L) headquarters. However, the headquarters of the holding company (G.S.L) can be classified into general franchisees, directly managed franchises and cooperative franchisees according to the types of services and products to be provided to customers.
상기 가맹점들은 지주회사(G.S.L) 본사의 감독하에 고객에게 수행하여야 할 서비스 및 상품제공을 원활하게 하기 위하여 각 가맹점들로 하여금 생산/제조를 위한 제품공급계약을 체결하게 하고 물류회사를 통하여 적기에 양질의 서비스/상품을 가맹점에게 공급하면 가맹점은 체크카드를 사용하여 구매 요청 후 지급한 대금을 확인하고 고객에게 서비스/상품을 공급하는 것이다.In order to facilitate the provision of services and products to be performed to customers under the supervision of the holding company (GSL) headquarters, the affiliated stores require each merchant to conclude a product supply contract for production and manufacturing, When supplying services / products to merchants, the merchants use the check card to check the price paid after the purchase request and supply the services / products to the customers.
본 발명의 다른 실시예로서 본 발명 선순환 체크카드를 다기능 통합운영하는 시스템을 도입하는 경우를 예시한다.As another embodiment of the present invention illustrates a case of introducing a system for multifunctional integrated operation of the present invention virtuous cycle check card.
즉, 본 발병에 따르면 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템을 도 4에 따라 일반가맹점, 직영가맹점 및 협력가맹점으로 다기능화하여 통합 운영하는 것이다. 본 발명에서 선순환 체크카드는 지주회사(G.S.L) 본사가 서비스/상품의 특성에 따라 운영하는 것이 바람직하다.In other words, according to the present invention, a virtuous interest-free living expenses immediate payment loan system using a check card is multifunctionally integrated into a general affiliated store, a managed affiliated store, and a cooperative affiliated store according to FIG. 4. In the present invention, the virtuous cycle check card is preferably operated by the holding company (G.S.L) headquarters according to the characteristics of the service / product.
다기능 통합운영의 결과 얻을 수 있는 장점은 도 11에 도시하여 두었다. 도 11에 따르면 가맹점에 따라 예컨대 회원모집기능, 신분증 등 다기능 카드발급서비스를 On/Off Line서비스 제공을 가능하게 할 수 있다. 다른 실시예로는 범용전자통장/카드서비스제공, 충전, 입출금, 실계좌이체, 무이자결제대금대출서비스, On/Off Line 서비스 제공이 가능하게 할 수 있다. 또 다른 실시예로는 Point 서비스, 적립, 사용, 조회/Free Cash전환 서비스, On/Off Line Total Service, 직영점, 쇼핑몰 이용시 유통마진 Cash Back 서비스 수행을 가능하게 할 수 있다. 이 밖에도 가능한 다기능 통합운영시스템으로는 가맹점 즉시 결제서비스, 통신 등 각종 부가서비스 수행이 가능하도록 할 수 있다는 장점이 있다. Advantages of the multifunctional integrated operation are shown in FIG. 11. According to FIG. 11, it is possible to provide an on / off line service for a multi-function card issuance service such as a member recruitment function and an ID card according to the affiliated store. In another embodiment, it may be possible to provide a general purpose electronic account / card service, charge, deposit and withdrawal, real account transfer, interest-free payment loan service, and on / off line service. In another embodiment, it may be possible to perform a distribution margin cash back service when using a point service, earning, using, inquiry / free cash conversion service, on / off line total service, retail store, and shopping mall. In addition, the multi-functional integrated operating system is capable of performing various additional services such as payment service, communication, etc. immediately by the merchant.
본 발명의 실시 결과 은행(W) 각 지점을 통하여 얻을 수 있는 카드가맹점 수수료는 가맹점 고객이 10만명일 때 1가구당 월평균 생활비를 317만원으로 보고 본 발명 체크카드 결제기를 50% 즉 158만원을 월 사용액으로 가정하면 월 수익금 15억 8천만원이며, 연 수익금은 284억 4천만원이 된다. 이러한 방법으로 가맹점/고객을 770만명으로 보면 년 카드가맹점 발급수수료 수익은 1조 4,599억원에 이른다.As a result of the implementation of the present invention, the card merchant fee that can be obtained through each branch of the bank (W) sees the monthly average living cost per household as 3.317 million won when the number of merchant customers is 100,000, and uses the check card payment machine of the present invention at 50% or 158 million won per month. Assume that the monthly earnings are 1.85 billion won, and the annual revenue is 284.44 billion won. In this way, if the number of merchants / customers is 7.7 million, the annual card merchant issuance fee income will reach 1.45 trillion won.
또 본 발명의 실시예에 따르면 은행(W) 각 지점을 통하여 얻을 수 있는 송금수수료와 ATM수수료는 카드사용자 1명의 송금 수수료를 0.8%로 가정할 때 1명 X 월평균 10회 X 500원 = 5,000원이 되고 ATM 수수료는 1명 X 월평균 10회 X 1,000원 = 10,000원이 되며 이렇게 하여 가맹점 회원/고객 100만명일 경우 송금수수료와 ATM수수료 합계 연수익은 1,800억원에 이르며 회원/고객 700만명만 가정해도 각각 4,200억원과 8,400억원의 수익구조에서 연 수익합계 1조 2천 600억원에 이른다. 이상 실시예1 ∼ 4에 따라 상세히 설명한 바와 같이 본 발명 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법은 하기 표 1과 같은 카드사별 단기 순이익(2010년기준)의 구조를 표 2와 같은 카드가맹점의 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 체크카드 결제수수료 예상수입금과 표 3과 같은 본 발명의 실시에 따른 송금수수료 및 ATM수수료 예상수익금을 얻을 수 있는 효과가 있다.In addition, according to the embodiment of the present invention, the remittance fee and the ATM fee that can be obtained through each branch of the bank (W) are assumed to be 0.8% of the remittance fee of one card user. The ATM fee is 1 person X 10 times a month X 1,000 won = 10,000 won.In the case of 1 million members / customers of merchants, the total annual income of remittance fees and ATM fees reaches 180 billion won, and assuming only 7 million members / customers. Its annual revenues amount to 1.2 trillion won, with 420 billion won and 840 billion won. As described in detail according to Examples 1 to 4 above, the method of immediately paying loans for a virtuous interest-free non-fee living cost using the present invention check card shows the structure of short-term net profit (2010 basis) for each card company as shown in Table 1 as shown in Table 2 below. Check card payment fees expected payments of the virtuous interest-free fees living payments instant payment loan method using the merchant's check card and the expected profits of the remittance fees and ATM fees according to the implementation of the present invention as shown in Table 3.
표 1 카드사별 당기 순이익(2010년 기준)
영업수익 영업비용 당기순이익
S.H카드 4조918억 2조9천118억 1조1천70억
B카드 3조1천350억 3조267억 310억
S카드 3조2천773억 2조444억 1조1천562억
H카드 2조2천757억 1조8천866억 3천562억
L카드 1조2천606억 1조680억 1천380억
기타 4천925억 5천505억 -589억
Table 1 Net Income by Card Company (2010)
Operating revenue Operating expenses Net Income
SH card 4.92 trillion 2.999 trillion 1.17 trillion
B card 3,135 billion 3.267 trillion 31 billion
S card 3,277.7 billion 2.44 trillion 1.16 trillion
H card 2,277.5 billion 1.88 trillion 3562 billion
L card 1.26 trillion 1.68 trillion 138 billion
Other 490 billion 550.5 billion -58.9 billion
표 2 선순환 체크카드 결제수수료 예상 수익금(직영가맹점)
사업명 수량 월 사용액 월 이용액 수익금(월) 수익금(년)
산출방식 금액
카드가맹점 수수료 10만명 1가구당 월 평균생활비 317만원 (S.B.S:05.21) 지주회사체크 카드 결제기준 50% 158만원 1,580억 적용 1.0% 현재월 이용금액 1.5% 15억8천만 284억4천만
20만명 7,900억 79억 1,422억
100만명 1조5,800억 158억 1,896억
300만명 4조7,400억 474억 5,688억
500만명 7조9,400억 794억 9,528억
770만명 12조1,660억 1,216억6천만 1조4,599억
TABLE 2 Circulating Check Card Payment Fee Estimated Profit (Managed Merchant)
Business name Quantity Monthly amount Monthly amount Revenue (month) Revenue (Year)
Calculation method Price
Card Merchant Fee 100,000 people Average monthly living expenses per household 3.317 million won (SBS: 05.21) 50% of the holding company payment card 158 billion Applicable 1.0% Current Monthly Amount 1.5% 1.5 billion 284.44 billion
200,000 790 billion 7.9 billion 422 billion
1 million 1.58 trillion 15.8 billion 1896 billion
3 million 4.76 trillion 47.4 billion 568 billion
5 million 7.9 trillion 794 billion 9528 billion
7.7 million 12.16 trillion 1,216 billion 1.499 trillion
표 3 선순환 체크카드 송금수수료 및 ATM 수수료 예상 수익금(직영가맹점)
카드 사용자수 송금수수료 (90.8%) 년수익 ATM 수수료 년수익
1명 5,000원(1명*매월 10회*500원) 10,000원(1명*매월 10회*1,000원)
10만명 5억원 60억원 10억원 120억원
50만명 25억원 300억원 50억원 600억원
100만명 50억원 600억원 100억원 1,200억원
200만명 100억원 1,200억원 200억원 2,400억원
500만명 250억원 3,000억원 500억원 6,000억원
700만명 350억원 4,200억원 700억원 8,400억원
TABLE 3 Circulating Check Card Remittance Fees and ATM Fees Estimated Profit (Managed Merchant)
Card users Remittance fee (90.8%) Annual revenue ATM fee Annual revenue
1 person 5,000 won (1 * 10 times a month * 500 won) 10,000 won (1 * 10 times per month * 1,000 won)
100,000 people 500 million won 6 billion won 1 billion won 12 billion won
500,000 2.5 billion won 30 billion won 5 billion won 60 billion won
1 million 5 billion won 60 billion won 10 billion won 120 billion won
2 million 10 billion won 120 billion won 20 billion won 240 billion won
5 million 25 billion won 300 billion won 50 billion won 600 billion won
7 million 35 billion won 420 billion won 70 billion won 840 billion won
한편, 본 발명의 실시에 따른 지주회사(G.S.L) 본사가 얻을 수 있는 예상 수익금은 표 4와 같다.On the other hand, the expected earnings that can be obtained by the holding company (G.S.L) headquarters according to the implementation of the present invention is shown in Table 4.
표 4
사용 가구수 월 책정한도(최초 60만원) 생필품 금액 유통수익 금액 수익금(월) 수익금(년) 수익율
10만 600억원 20만원 20만원*15% =3만원 30억원 360억원
100만 6,000억원 300억원 3,600억원
300만 1조8,000억원 900억원 1조800억원
500만 3조원 1,500억원 1조8,000억원
770만 4조6,200억원 대한민국 전체1,933만 가구의약 40% 2,310억원 2조7,720억원
Table 4
Number of used households Monthly pricing limit (first 600,000 won) Daily necessities Distribution revenue amount Revenue (month) Revenue (Year) Yield
100 thousand 60 billion won 200,000 won 200,000 won * 15% = 30,000 won 3 billion won 36 billion won
1 million 600 billion won 30 billion won 370 billion won
3 million 1.8 trillion won 90 billion won 1.8 trillion won
5 million KRW 3 trillion 150 billion won 1.8 trillion won
7.7 million KRW 4.2 trillion 40% of Korea's 193.3 million households 220 billion won 2.77 trillion won
본 발명 실시예4에 따르면 도 12에 도시한 바와 같이 가맹점의 종류에 따라 다양한 서비스를 수행할 수 있는 장점이 있다. 도 12에서 보는 바와 같이 예컨대 직영 가맹점에 따르면 지주회사(G.S.L) 본사의 수익을 극대화하기 위하여 차별화된 서비스로 자산증식을 수행하고 나라사랑 발전기금을 조성하거나 사회복지제도개선기금을 조성하며 일자리창출을 할 수 있다.According to the fourth embodiment of the present invention, as shown in FIG. 12, various services may be performed according to the type of affiliated store. As shown in FIG. 12, for example, according to a directly operated franchise, asset growth is performed with differentiated services, a country love development fund, a social welfare system improvement fund, and job creation are created in order to maximize the profit of the holding company (GSL) headquarters. can do.
본 발명은 금융감독원으로부터 체크카드 결제시스템이 인증되어 시행하게 되는 경우 올바른 카드문화를 정착시켜 순환체크카드 사용율을 획기적으로 증대시키고 중소상공인 등 서민경제활성화 등 정부정책의 최우선과제를 수행할 수 있게 될 뿐 아니라 개발도상국 및 후진국의 금융 유통시스템을 계도, 수출할 수 있는 뛰어난 효과가 있으므로 금융유통산업상 매우 유용한 발명인 것이다.When the check card payment system is authenticated and implemented by the Financial Supervisory Service, the present invention will establish a correct card culture, thereby dramatically increasing the use of the cyclic check card and be able to carry out the top priority of government policies such as revitalizing the economy of small and medium-sized businesses. In addition, it is a very useful invention for the financial distribution industry because it has an excellent effect of developing and exporting financial distribution systems in developing and developing countries.

Claims (3)

  1. 고객이 로그인하여 지주회사(G.S.L)에 회원으로 가입하는 회원가입단계(S1단계)와; 통장 및 카드발행수단(10)으로 지주회사(G.S.L)에서 보증한 고객에게 고객의 신청에 의해 대출금통장과 원금상환통장 및 카드를 발행하는 통장 및 카드 발행단계(S2단계)와; 카드사용 확인수단(20)으로 고객의 카드사용 내역을 확인하는 카드사용 확인단계(S3단계)와; 상기 카드사용 확인단계(S3단계)의 카드사용 상태에 따라 카드사용 한도액 증액수단(30)으로 카드의 사용한도를 증액하는 사용한도 증액단계(S4단계)와; 원금상환 운영수단(40)으로 고객의 원금상환을 관리하는 원금상환 관리단계(S5단계)와; 금리관리수단(50)으로 지주회사(G.S.L)에서 보증한 고객의 보증금에 대하여 금리를 산출하여 지주회사(G.S.L)에 자동으로 지불하는 금리관리단계(S6단계); 카드사용 내역 관리수단(60) 카드사용 내역을 관리하여 계좌정보로서 데이터 베이스(DB 1) 저장하는 카드사용 내역 관리단계(S7단계) 및; 데이터 베이스(DB 1, DB 2, DB 3)에 고객원장, 계좌원장, 고객정보, 계좌정보 및 계정시스템을 저장하는 테이터 관리단계(S8단계)로 이루어진 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상황방법에 있어서; Member registration step (S1 step) for the customer to log in to join the holding company (G.S.L) as a member; A bankbook and card issuing step (S2 step) for issuing a loan bankbook and a principal repayment bankbook and a card at the customer's application to the customer guaranteed by the holding company (G.S.L) as a bankbook and card issuing means (10); A card use confirming step (S3 step) of confirming the card use history of the customer by the card use confirming means 20; A usage increase step (S4 step) of increasing the usage of the card by the card use limit increase means 30 according to the card use state of the card use check step (S3 step); A principal repayment management step (step S5) of managing the principal repayment of the customer by the principal repayment operation means 40; An interest rate management step (S6) of calculating interest rates on a deposit of the customer guaranteed by the holding company (G.S.L) and automatically paying the holding company (G.S.L) as the interest rate management means (50); Card usage history management means (60) Card usage history management step of managing the card usage history and stores the database (DB 1) as account information (step S7); Instant payment of virtuous interest-free and no-cost living expenses using a check card consisting of a data management step (step S8) that stores customer ledger, account ledger, customer information, account information and account system in the database (DB 1, DB 2, DB 3) In principal method of loan method;
    상기 원금상환 관리단계(S5단계)는 회원 확인단계(S101 ∼ S104단계)와; 20일동안 회원 종류별로 사용금액을 확인하는 사용금액 확인단계(S105단계)와; 상기 사용금액 확인단계(S105단계)에서 잔고 여부를 확인하는 잔고 확인단계(S106단계)와; 상기 잔고 확인단계(S106단계)에서 잔고가 있는 것으로 확인된 경우 21일부터 잔고에서 매일 일정 금액씩 상환하는 잔고상환단계(S107단계) 및; 상기 잔고 확인단계(S106단계)에서의 확인 결과 잔고가 없는 경우 증액한 대출금으로 상환하는 대출금 상환단계(S108)로 이루어진 것을 특징으로 하는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법.The principal repayment management step (step S5) is a member verification step (steps S101 to S104); A use amount checking step (S105) of checking the use amount for each type of member for 20 days; A balance check step (S106) of checking whether or not the balance is used in the use amount checking step (S105); If the balance is confirmed in the balance check step (S106), the balance repayment step (S107 step) for repaying by a predetermined amount from the balance every day from the 21st; If there is no balance as a result of the balance check step (S106), the principal repayment of the virtuous cycle of interest-free non-fee living expenses payment method using a check card, characterized in that the loan payment repayment step (S108) characterized in that the repayment to the increased loans Way.
  2. 제 1항에 있어서, 상기 회원 종류별로 매일 상환하는 상환 금액은 일반회원3만원, VIP회원 6만원, 슈퍼VIP회원 9만원, 프레스티지(Prestige)회원 12만원인 것을 특징으로 하는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법.The method of claim 1, wherein the repayment amount for each member type is 30,000 won for general members, 60,000 won for VIP members, 90,000 won for Super VIP members, and 120,000 won for Prestige members. Repayment of principal of non-payment living expenses immediate payment loan method.
  3. 제 1항에 있어서, 상기 금리관리단계(S6단계)는 지주회사(G.S.L)에서 고객의 보증을 위해 은행(W)에 입금한 금액에 대한 이자를 은행에서 고객의 사용금액을 실시간으로 제외하고 나머지 금액에 대하여 실시간으로 이자를 산출하여 지주회사(G.S.L)에 지불하는 것을 특징으로 하는 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출방법의 원금 상환방법.According to claim 1, wherein the interest rate management step (S6 step) is the interest on the amount deposited by the holding company (GSL) to the bank (W) for the customer's guarantee in real time excluding the customer's use amount in the bank A principal repayment method of a virtuous cycle of interest-free non-compliance living expenses instant payment loan method using a check card, characterized in that the interest is calculated in real time on the amount paid to the holding company (GSL).
PCT/KR2013/005422 2013-06-03 2013-06-19 Method for repaying principal in virtuous cycle-structured method for immediate payment loans with no-interest and no-fee for living expenses using debit card WO2014196680A1 (en)

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CN110189218A (en) * 2019-04-25 2019-08-30 北京互金新融科技有限公司 The management method and device of loan limit

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KR20030047632A (en) * 2001-12-11 2003-06-18 신창훈 A decrease system and Business model to a person who is arrears, and a combination credit card and loan card.
KR20050088523A (en) * 2004-03-02 2005-09-07 이유선 System and method for issuing and using an individual mortgage card
KR20070072818A (en) * 2006-01-02 2007-07-05 주식회사 비즈모델라인 Method and system for operating payment account of check card(or debit card), devices for operating payment account of check card(or debit card) and recording medium

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KR20030047632A (en) * 2001-12-11 2003-06-18 신창훈 A decrease system and Business model to a person who is arrears, and a combination credit card and loan card.
KR20050088523A (en) * 2004-03-02 2005-09-07 이유선 System and method for issuing and using an individual mortgage card
KR20070072818A (en) * 2006-01-02 2007-07-05 주식회사 비즈모델라인 Method and system for operating payment account of check card(or debit card), devices for operating payment account of check card(or debit card) and recording medium

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110189218A (en) * 2019-04-25 2019-08-30 北京互金新融科技有限公司 The management method and device of loan limit

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