KR101760922B1 - System for managing small sum bond of a member store using of a mobil phone and method of the same - Google Patents
System for managing small sum bond of a member store using of a mobil phone and method of the same Download PDFInfo
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- KR101760922B1 KR101760922B1 KR1020150062949A KR20150062949A KR101760922B1 KR 101760922 B1 KR101760922 B1 KR 101760922B1 KR 1020150062949 A KR1020150062949 A KR 1020150062949A KR 20150062949 A KR20150062949 A KR 20150062949A KR 101760922 B1 KR101760922 B1 KR 101760922B1
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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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
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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
- G06Q40/08—Insurance
Abstract
The present invention relates to a merchant bond management system and a method thereof using a mobile terminal, and more particularly, to a system and method for managing a merchant bond using a mobile terminal, It is possible to determine the interest rate and the insurance premium for each small franchise at each franchise by letting them choose their own, and to allow the merchant to purchase goods or services purchased from the franchise through small bonds, The present invention provides a merchant bond management system using a mobile terminal for issuing and managing financial products and a method thereof.
By applying the present invention, SOHO companies and general merchants who are not listed companies can easily issue bonds, and the interest rate of bonds and insurance premiums of non-life insurance companies are automatically calculated according to specific conditions, And can be used as a payment for goods or services at the merchant through the micro-credit of the merchant. Therefore, it is the same as securing the future customer at the moment of issuing the bond and the user invests in the merchant near the place of residence In the case of a franchisee, it is advantageous that risk favors are more advantageous than those of other local residents because the franchisees can confirm whether the business is good or not.
Description
The present invention relates to a merchant bond management system and a method thereof using a mobile terminal, more specifically, by issuing a franchisee small amount bond at the request of an affiliate shop, and when an individual investor purchases a small amount bond of the franchisee, By selecting the loss ratio by the user himself or herself, it is possible to determine the interest rate and insurance premium for each small franchise at each franchise, and to make purchases or service purchases provided by the franchisee through small franchise stores, The present invention relates to a merchant bond management system using a mobile terminal for issuing and managing the combined financial product and a method thereof.
As is well known, due to the recent development of information communication technology, development of information providing technology for providing information on various fields via a long distance data communication network to a plurality of subscribers through at least one host server is actively underway.
Recently, information sorting technology and compression technology are being developed, which can more conveniently access the surrounding technology and subscribers' tastes and preferences, such as cache memory extension technology for providing accurate information more quickly to subscribers. And the development of various contents and solutions thereof is being spurred.
Recently, a variety of electronic financial solutions have been developed so that ordinary individuals can receive electronic financial services that are very convenient. However, this is merely a transfer of offline financial products to the online market, There is little difference. The difference is that it only improves the inconvenience of visiting a bank directly. Therefore, in order to induce the activation of financial transactions, it is concluded that high-merit financial products should be developed reflecting the current financial situation.
Recently, unlike in the past when income from all banks was derived from deposits and loan products using the interest rate of procurement and interest rates, due to the decline in market interest rates, the interest rate on the procurement rate and the interest rate on the interest rate It became very necessary to develop a new income source.
This problem has also arisen in the case of financial investors who live not only in the financial sector but also as interest income. In other words, in the case of financial investors who have secured considerable income only through financial investment in case of high market interest rates, current financial income has decreased drastically compared to past financial income due to the arrival of low interest rate.
This periodic economic situation reduces the savings rate, and the reduction of the savings rate hinders the investment of the financial institution by the enterprises, and eventually it does not distribute the flow of the public funds evenly.
As a result, it has become a cause of preventing the activation of small loans or credit lending by self-employed or small business. If loan guarantees such as mortgage loans are established, the loan interest rate is lowered. However, And there is no significant difference from the past. The reason for this is that if the loan is not recovered from the borrower, the financial institution responsible for the borrowing should be responsible for it, and the borrowing cost is very high. Therefore, . In other words, there is a structural problem that a single financial institution is responsible for the collection of loans and the liability for accidents in case of a loan accident.
On the other hand, credit defaulters and lenders who are not capable of collateral loans are borrowed through the second or third banking or borrowing companies because borrowers are difficult to borrow in the first banking sector. Often borrowers collect illegal loans in an illegal manner. Therefore, there is a problem that the borrower is reluctant to lend because it is difficult for the borrower to have a sense of trust. In other words, it is in urgent need to develop a product that can provide the desired loan even in the case of credit defaulters or lenders who are not capable of collateralization, as well as leading the lenders in the shaded area to the sunshine.
In addition, existing financial products have been introduced in the market as a financial product itself, but in the current complex trend, such a single product has not achieved a complex marketing effect, The problem is that the financial competitiveness is weakened.
SUMMARY OF THE INVENTION The present invention has been made in view of the circumstances of the prior art described above, and it is an object of the present invention to provide a method for issuing a small amount of bonds at a merchant's request at the request of an affiliate shop, This will allow interest rate and loss insurance premiums to be determined for each small franchise at each franchise, and allow the franchisees to purchase goods or service purchases at the franchise through microbonds, thereby providing financial products that combine deposit, investment, The present invention is directed to a merchant bond management system using a mobile terminal that issues and manages merchandise.
In order to achieve the above object, according to a preferred embodiment of the present invention, the merchant information requesting the issuance of the merchant bond registered in the merchant
Preferably, the investment conditions include information on which of the franchisees to be invested in the franchisees registered in the franchisee
Preferably, the redemption condition is a short-term, medium-term, or long-term redemption period, and the redemption mode is partial redemption for a predetermined period in proportion to sales amount, and redemption on a bond end date. .
Preferably, the merchant spot
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
If the user-selected loss ratio selected by the user increases, the insurance premium paid by the insurance company and the insurance company paid by the insurance company becomes smaller, and if the user-provided loss ratio becomes smaller, the insurance premium paid by the insurance company The merchant credit management system using the mobile terminal is provided.
Preferably, the
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
Preferably, the
Preferably, the merchant spot
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
Preferably, the merchant
Meanwhile, the present invention provides a system and method for controlling an affiliate store in a small amount bond management server (10), comprising: an agent store information requesting an issuance of an affiliate store bond, information on investment and redeeming conditions, And the
Preferably, the
Preferably, the
Preferably, when the merchant
On the other hand, according to the present invention, a) a merchant
Preferably, the a) process further comprises receiving the application code information, the merchant point code information, the seat information, the settlement cost information, and the bond information from the investment management application (4) A method of managing a merchant bond using a mobile terminal is provided.
On the other hand, according to the present invention, there is provided a credit card payment system, comprising: a) a merchant payment application (5) installed in an affiliate shop main terminal (3) Receiving a request signal; b) the merchant payment application (5) confirms the payment request information and generates an approval code in the investment management application (4) and the merchant microbond management server (10); c) The merchant store micro
Preferably, before the process a), the merchant
Preferably, the authorization code in the step b) is a code that can be generated and confirmed through a random number table generation program installed in the same manner in the merchant micro
The merchant bond management system using the mobile terminal according to the present invention and the method thereof can easily issue bonds to SOHOs and general merchants other than publicly traded companies, and the user can easily and freely invest in the SMO bonds It is possible to determine whether the user can invest quickly because the bond interest rate and insurance premium of the non-life insurance company are automatically calculated according to the specific conditions, and it can be used as payment for the goods or service payment at the merchant's micro- This means that the user can secure the future customers at the moment of issuance of the bonds, so that the user can carry out the investment and settlement of the small bonds of the merchant at the same time. If the user invests in the franchise near the residence, I can confirm whether the business is good or not, from time to time Therefore, there is an advantage that risk avoidance is more advantageous than other local residents.
1 is a schematic diagram showing a schematic configuration of a merchant bond management system using a mobile terminal according to a first embodiment of the present invention;
FIG. 2 is a state diagram illustrating a data processing state of a merchant bond management system using a mobile terminal according to a first embodiment of the present invention; FIG.
FIG. 3 is a view showing a state of interest rate change linked to an existing bond issue amount through a merchant bond management system using a mobile terminal according to the first embodiment of the present invention; FIG.
FIG. 4 is a view showing a state of premium variation according to the selection of the user-burdened loss ratio through the merchant bond management system using the mobile terminal according to the first embodiment of the present invention;
Fig. 5 is a view showing the case of Fig. 4,
6 is a view showing a main screen of an investment management application output to a user terminal through a merchant bond management system using a mobile terminal according to a first embodiment of the present invention;
FIG. 7 is a diagram illustrating a state in which automatic redemption is performed in a merchant's store through a merchant bond management system using a mobile terminal according to a first embodiment of the present invention;
FIG. 8 is a view showing a classification state of a merchant investment object through a merchant bond management system using a mobile terminal according to the first embodiment of the present invention; FIG.
FIG. 9 is a block diagram illustrating the configuration of an investment management application included in the merchant bond management system using the mobile terminal according to the first embodiment of the present invention; FIG.
FIG. 10 is a block diagram illustrating a configuration of a merchant microblog management server included in a merchant bond management system using a mobile terminal according to the first embodiment of the present invention; FIG.
FIG. 11 is a schematic diagram showing a schematic configuration of a merchant bond management system using a mobile terminal according to a second embodiment of the present invention. FIG.
12 is a state diagram illustrating a state in which a settlement process is performed through a merchant bond management system using a mobile terminal according to a second embodiment of the present invention;
FIG. 13 is a state diagram for performing another settlement process through the merchant bond management system using the mobile terminal according to the second embodiment of the present invention.
Hereinafter, a merchant bond management system using a mobile terminal according to a first embodiment of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a schematic diagram showing a schematic configuration of a merchant bond management system using a mobile terminal according to a first embodiment of the present invention. FIG. 2 is a schematic diagram of a merchant bond management system using a mobile terminal according to a first embodiment of the present invention. And a data processing state.
Referring to this, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention issues a small amount of bonds at the merchant's request at the request of the merchant, and when the individual investor purchases the small amount bond of the merchant, By allowing the user to select the burden ratio, it is possible to determine the interest rate and the insurance premium for each small-sized franchise at each franchise, and make it possible to purchase goods or services purchased from the franchisee through small- It is a system that issues and manages complex financial products.
That is, in the merchant bond management system using the mobile terminal according to the first embodiment of the present invention, SOHO companies and general merchants, which are not listed companies, can easily issue bonds, In the system for enabling easy and free investment, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention automatically calculates and provides the bond interest rate and the insurance premium of the non-life insurance company according to specific conditions, You can decide whether to invest or not.
As described above, the 'merchant spot small amount bond' means a bond issued by a general merchant registering information to a merchant spot small
Therefore, it is necessary for the merchant to publicize the competitiveness of the merchant only so that the small merchant credit issued by the merchant can be sold more. For example, it would be desirable to provide the user with special information of a franchisee such as a chef recruitment for 20 years' experience in Jeolla-do restaurant or a 30-year-old chef of a hotel.
In addition, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention displays more objective merchant information so that the third party can view the merchant information, and after the good investor recognizes the merchant that the merchant intends to invest, It allows investors to invest in small franchisees.
To this end, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention includes information on the merchant requesting the issuance of the merchant bond registered in the merchant
The merchant bond management system using the mobile terminal according to the first embodiment of the present invention receives the merchant bond issuance request signal through the
The merchant bond management system using the mobile terminal according to the first embodiment of the present invention is an investment system in which a plurality of users invest in a bond issued by a merchant similar to an existing bond investment system, Is similar to existing bonds in that it has a fixed bond interest rate, invests for a fixed period of time, and is free to transfer and redeem within that bond holding period.
On the function of such an existing bond, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention is linked to a non-life insurance company and is sold as a package. In accordance with the free choice of the user- Automatically changing the interest rate of bonds to be traded next due to the large or small amount of existing bond issuance, and allowing the user to repay the small amount of bonds purchased by the user at the commodity or service price provided by the merchant .
In addition, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention can repay a portion of the microcredit receipts of merchant stores on a daily or weekly basis, such as a monthly basis, Is also a characteristic feature.
The user selects any one of a plurality of merchant sites registered in the merchant
At this time, the merchant
Also, the user can select a specific franchise point for the merchant
Preferably, the merchant spot
Also, the merchant
Meanwhile, the merchant spot
In other words, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention can repay part of the microcredit receipt of the merchant at a predetermined period, and in connection with the credit card company, To be repaid.
In addition, the merchant spot
That is, the merchant
Preferably, the interest rate of the micro-bond of the franchisee is in the range between the general credit loan rate and the mortgage loan rate, which is matched with the investment merit of the user and the merit issuance of the bond by the merchant.
On the other hand, the merchant
That is, the merchant
Meanwhile, in the present invention, it is preferable that the franchise store
That is, when the user-selected loss ratio selected by the user increases, the insurance premium paid by the insurance company and the insurance premium paid by the non-life insurance company becomes smaller, and if the user-provided loss ratio becomes smaller, the insurance premium paid by the insurance company .
On the other hand, since the user can quickly search for an affiliate shop, the
In addition, the merchant
For example, in the case of a small amount credit for a merchant whose repayment condition is 20% of the credit card payment amount per day, if the sales of the merchant is generated, the credit
In the meantime, the
Preferably, the merchant
Also, in order to reduce the risk, the merchant
3 is a view showing a state of interest rate fluctuation linked to an existing bond issuance amount through a merchant bond management system using a mobile terminal according to the first embodiment of the present invention.
The merchant bond management system using the mobile terminal according to the first embodiment of the present invention calculates the bond valuation value of the corresponding merchant to be issued to each merchant by the merchant micro
That is, the merchant
For example, as shown in the figure, assuming that the total value of the existing bonds for a specific merchant was 50 million won, the interest rate for bond issuance of less than 10 million won for the first time is divided into 5 sections, If the interest rate on bond issuance up to KRW 10 million is 4.6%, the interest rate on bond issuance from KRW 20 million to less than 30 million won is 5.4%, and if the bonds are issued up to 30 million KRW, If you want to purchase 10 million won, the bond interest rate will be 6.2%.
In other words, the bond valuation was 50 million won, but as the amount of additional issuance becomes smaller, the interest rate increases. As a result, the franchisee has the effect of not habitat issuance because it has the interest rate burden when issuing additional bonds, and provides the system for high return high risk to the users.
At this time, the merchant
However, it is preferable that the merchant
FIG. 4 is a view illustrating a state of insurance premium fluctuation according to selection of a user-burdened loss ratio through a merchant bond management system using a mobile terminal according to a first embodiment of the present invention, and FIG. 5 is a view illustrating the case of FIG.
The merchant bond management system using the mobile terminal according to the first embodiment of the present invention issues a non-life insurance for a bond issuance amount according to a user's choice, selects a non-life insurance fund And a non-life insurance company server 14 that performs an operation on the payment, and is configured in association with the member store's
In the case of a franchisee who issued a small amount of bonds at a franchisee, the damage insurance company basically takes out all or part of the damage amount, and calculates the damage rate of the franchise built in advance by a statistic and the amount of the bond issuance, Is calculated and the basic premium is calculated.
In this case, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention can select the ratio of the insurance money that the user can receive, and the non-life insurance company server 14 determines the user- The insurance premium paid from the insurer and the insurance company paid by the insurer will become smaller. If the user-borne loss ratio becomes smaller, the insurance premium paid from the insurer and the premium paid will be increased.
That is, as shown in FIG. 5, for example, when the merchant
Of course, in this case, the insurance money that can be paid in case of an accident is also reduced to 25 million won.
FIG. 6 is a view showing a main screen of an investment management application output to a user terminal through a merchant bond management system using a mobile terminal according to a first embodiment of the present invention. FIG. FIG. 8 is a view showing a state in which an automatic redemption is performed in an affiliate store receipt management through a merchant bond management system using a mobile terminal, FIG. 8 is a diagram showing a state in which an automatic redemption is performed in a merchant store investment management system using a mobile terminal according to the first embodiment of the present invention Fig.
The
The user can search through the
The
More specifically, as shown in FIG. 8, the merchant
A
An
Meanwhile, the merchant bond management system using the mobile terminal according to the first embodiment of the present invention includes a reimbursement structure that is automatically redeemed for credit card sales generated at an affiliated store, To recognize when they search for a bond.
In other words, not all of the franchisees' micro-accounts take an automatic repayment structure, but only an automatic repayment structure for a specific bond, and a user may select an automatic repayment structure according to his or her own fund collection schedule. For example, The user can set the amount to be automatically repaid every day.
The merchant bond management system using the mobile terminal according to the first embodiment of the present invention is configured to set not more than a certain percentage of the credit card sales of each merchant, even in such an automatic redeeming structure.
Therefore, the merchant spot
For example, the merchant
9 is a block diagram illustrating the configuration of an investment management application included in the merchant bond management system using the mobile terminal according to the first embodiment of the present invention.
The
The
FIG. 10 is a block diagram showing the configuration of a merchant microbond management server included in the merchant bond management system using the mobile terminal according to the first embodiment of the present invention.
The merchant terminal
In addition, the merchant
In addition, the merchant spot
In addition, the merchant
In addition, the merchant spot
The merchant terminal
The merchant
Hereinafter, a merchant bond management system using a mobile terminal according to a second embodiment of the present invention will be described in detail with reference to the drawings.
FIG. 11 is a schematic diagram showing a schematic configuration of a merchant bond management system using a mobile terminal according to a second embodiment of the present invention. FIG. 12 is a system for managing a merchant bond management system using a mobile terminal according to a second embodiment of the present invention. FIG. 4 is a state diagram showing a state in which a settlement process is performed through the Internet.
The present invention includes a distinctive function that is different from that of a general bond, and the merchant bond management system using the mobile terminal according to the second embodiment of the present invention can be implemented by a merchant And a real-time payment function that allows the user to proceed with purchase of goods or service purchase.
Of course, not all the merchant microbonds issued and circulated in the present invention have a settlement function, and the microbenefits of the merchant having the settlement function are configured to be recognizable to the user through separate marks.
To this end, the merchant bond management system using the mobile terminal according to the second embodiment of the present invention includes information on the merchant requesting the issuance of the merchant bond registered in the merchant
In addition, the merchant bond management system using the mobile terminal according to the second embodiment of the present invention performs processing for issuing small merchant credit through the merchant
More specifically, in the case where the merchant bond management system using the mobile terminal according to the second embodiment of the present invention is intended to be used as a settlement price for a merchandise or service of the merchant through the micro-bond reimbursement of the merchant store, The settlement processing is carried out according to the two payment examples of FIG.
FIG. 12 is a diagram showing a settlement process under the initiative of the merchant
FIG. 13 shows an example in which the merchant's stock is first confirmed by the user who performs the settlement, how much the payment amount is, and where the seat of the user is located, and then the settlement process proceeds.
At this time, the investment management application (4) installed in the user terminal (2) transmits the application code information (1) to the merchant microblog management server (10) for settlement of purchase of goods or services through repayment of microcredit receivables And merchant code information, seat information, and settlement cost information. Of course, since the settlement is made through the bond redemption, the bond number must be selected through the
In addition, the
When the merchant
Hereinafter, the settlement processing through the merchant microbond will be described with reference to FIG.
A system for issuing and distributing a small amount of merchant credit to a merchant in a small merchant credit management server (10) in response to a request from a merchant shop, comprising: Or a small amount of bonds issued by a franchisor who can pay for the services are issued and circulated.
In this state, when the merchant spot
That is, the process is a process in which the settlement process is performed under the initiative of the merchant's
Therefore, the merchant spot
Then, the merchant
That is, before the payment process is performed, the merchant's stock information can be confirmed by the merchant.
Then, the merchant spot
Next, the merchant
Then, the merchant
Accordingly, the merchant bond management system using the mobile terminal according to the second embodiment of the present invention can distribute a small amount of credit to a merchant as a means capable of paying in real time. In particular, under the initiative of the merchant
Then, the circulation of the micro-amount bonds of the merchant can be further promoted.
FIG. 13 is a state diagram for performing another settlement process through the merchant bond management system using the mobile terminal according to the second embodiment of the present invention.
13 shows an example in which the merchant's stock is first confirmed by the merchant who checks the settlement amount, the payment amount, and the seat of the user, and then the settlement process is performed. Similarly, ) Receives a settlement request signal for repayment and processing of a small amount of a credit purchased by the investment management application (4) as a payment for a specific commodity or service.
That is, when a user tries to use the small amount of bonds of the merchant as the service or commodity payment amount, the
Then, the corresponding information is transmitted to the
Through this, the merchant confirms the payment attempt for the settlement amount of the settlement object, confirms the settlement amount, and generates an approval signal if there is no abnormality.
Then, the
At this time, the approval code is a code that can be generated and confirmed through the random number table generation program installed in the same way as the merchant micro
Next, the merchant spot
Then, the merchant
Also, the merchant
Accordingly, the merchant bond management system using the mobile terminal according to the embodiment of the present invention can be used as a payment for goods or service payment at a merchant's microbond through a merchant microbond, thereby securing a future customer at the moment of issuing a bond It is no different.
In addition, since it is preferable for the user to invest in the small amount of the merchant credit and settlement at the same time, it is preferable to invest in the merchant that the user knows well, and it is preferable to distribute it to the small amount bond of the local merchant in the neighborhood. It is more advantageous to avoid risk than other local residents because they can confirm whether the business is good or not.
Meanwhile, the merchant bond management system using the mobile terminal according to the embodiment of the present invention and the method thereof are not limited to the above-described embodiments, and various modifications are possible within the scope of the present invention.
2: user terminal, 5: merchant payment application,
4: investment management application, 6: financial information providing server,
8: credit card company server, 10: credit card company management server.
Claims (30)
A merchant terminal 12 for generating an merchant bond issuance request signal to the merchant credit control server 10 and receiving and outputting merchant bond issuance information;
Receives the merchant bond issuance request signal through the merchant terminal (12), registers the merchant bond issuance request signal so that the third party can view the merchant bond request, receives the investment condition and the redeeming condition from the user terminal (2) The bond yield and insurance premium are determined by the bond interest rate and the insurance premium, and the bond yield and the insurance payment are calculated by the determined bond interest rate and the insurance premium, and the bond investment is automatically repaid An affiliate store micro bill management server 10 for processing the bill;
A credit card company server 8 for processing a certain amount of money in the credit card payment portion of the sales of the merchant that has been linked with the merchant credit card management server 10 and issued a small amount credit to the merchant credit card;
A non-life insurer server (not shown) for issuing non-life insurance for a bond issuance amount in accordance with a user's selection in connection with the merchant's small amount financial asset management server 10 and performing an operation for a non-life insurance fund and a payment based on a selection of a user- (14);
The investment conditions include selection information on which of the franchisees to be invested in the franchisees registered in the franchisee microblog management server 10 and information on the amount of each investment divided into different interest rates To determine the amount of investment by selecting the interest rate interval for each section;
The merchant spot credit management server 10 stores the business duration of the merchant who desires to issue the microcredit bond to the merchant and the amount of the small amount of the bond that can be issued considering the sales amount, profit rate, fixed cost, desired bond issuance amount, existing loan information, , The interest rate is computed, the calculated interest rate is calculated according to the amount of issued bond amount, and the credit card payment is automatically made at the credit card payment portion of the sales of the merchant that issued the small amount bond of the merchant, Transfers the transfer information to the server (8), carries out transfer and pumping processing so that the user who has purchased the small merchant credit at the merchant can sell the small merchant credit to the third merchant;
When the user-selected loss ratio selected by the user increases, the non-life insurance company server (14) reduces the contribution premium and the insurance money paid from the non-life insurance company, and when the user-provided loss ratio becomes small, the insurance premium paid from the premium insurance company Wherein said mobile terminal is a mobile terminal.
Wherein the redemption condition is a short-term, medium-term, or long-term redemption period, and the redemption type is partial redemption for a predetermined period in proportion to sales amount, and redemption on a bond end date.
Wherein the merchant microblog management server (10) processes the interest rate interval so that the interest rate is higher as the amount of the amount of the bond value evaluated for each merchant is smaller Merchant Bond Management System Using.
The investment management application 4 can search by category, investment grade, interest rate, and affiliation of a merchant wishing to issue a small credit bond to a merchant, generate a signal for a detailed view by each merchant, select a merchant to be invested, , The withdrawal method and period, and the selection of the non-life insurance, and is an application capable of outputting interest rate information and non-life insurance related information provided from the subscriber's spotty bond management server (10) Merchant Bond Management System Using.
The merchant spot credit management server 10 registers the small amount investment condition of the franchisee desired by the user and the small franchise issuance information of the franchisee desired by the franchisor and extracts the condition information of the user and the franchise point that meet the condition or belong to the similar condition And notifies the counterpart terminal of each of the mobile terminals.
The investment management application (4) includes a communication module (40) for communicating with the merchant credit management server (10);
A key input unit (42) for generating a key input signal and a key selection signal related to the small amount of merchant bonds;
A bond purchase information management unit 44 for managing small amount receivable information of the franchisees sold by the user and investment conditions;
A money collecting information managing unit 46 for managing the redeeming condition information, the redeeming information and the balance information for the small amount of bonds purchased by the user;
An information output unit 48 for communicating with the merchant terminal micro bill management server 10 and outputting the received information and the information selected by the key input unit 42 and the inputted information to the screen;
The mobile terminal 10 communicates with the merchant terminal microblog management server 10 to browse merchant information desired to be issued by the merchant microbond, select a specific merchant, set investment conditions and redemption conditions for the microbend, generate a purchase signal, And a control unit (50) for transmitting the condition and the user burden ratio information to the merchant microcomputer management server (10).
The merchant spot credit management server 10 includes,
A communication module 52 for communicating with the investment management application 4 of the user terminal 2, the financial information providing server 6, the credit card company server 8 and the franchise terminal 12;
An affiliate shop information management unit 54 that manages merchant shop information and merchant shop main information that desire to issue a small amount of merchant credit;
A rating information management unit 56 for managing investment grade information for each merchant;
A non-life insurance information management unit 58 for managing information on paid premiums and insurance premiums determined according to the user-selected loss ratio selected by the user, and information on non-life insurance coverage for each of the bonds;
An interest rate calculating unit (60) for calculating the bond interest rate by reflecting the grade and the advance bond information given to each merchant;
A user-selected loss ratio information management unit 62 for managing the user-provided loss ratio information selected by the user as an element for determining the contribution premium and insurance premium related to the non-life insurance;
A merchant classifying section 66 for classifying merchant points by industry category, investment grade, and interest rate to which the merchant belongs;
A money collection processing unit (68) for performing signal processing for automatically transferring a certain amount of card sales of a specific merchant to a specific user account by a predetermined period on the basis of the investment mode and the salvage method selected by the user;
It is possible to calculate the investment grade based on the credit, sales, profit rate, and existing loan of the merchant, receive it, register it, and display it so that it can be browsed. By the investment signal of the user, And a control unit (76) for controlling the automatic payment and loss insurance company linkage list reduction processing to process the transaction so that the automatic payment and damage insurance company linkage list reduction processing is performed.
The merchant microcomputer management server 10 registers therein a small amount of investment conditions of the franchisee desired by the user and the microfinance issuance information of the franchisee desired by the franchisor and registers the user who belongs to the similar condition or the similar condition And a customized bond issuance information management unit (64) for extracting the condition information and informing the user and the merchant's stock.
Wherein the merchant microblog management server (10) further includes a money collection balance management unit (70) for managing the balance information after reimbursement for the microbonds of the franchisees purchased by the respective users. Merchant Bond Management System.
The merchant terminal microblog management server 10 processes the user's short-term investment, medium-term investment, purchase of a bond according to the long-term investment method, and the repayment of funds on the microbond of the merchant issued by each merchant, And a money circulation processing unit (72) for keeping the bonds during the bond issuance period.
The merchant microcomputer management server 10 further includes a bond transfer / pumped-processing unit 74 for processing a small amount of merchant credit issued by each merchant so that a plurality of users can mutually transfer and transfer the same A merchant bond management system using a mobile terminal.
Wherein the merchant microblog management server 10 receives the card sales information of the merchant that issued the microcredit receipt of the merchant from the credit card company server 8 and monitors the sales fluctuation trend.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020150062949A KR101760922B1 (en) | 2015-05-06 | 2015-05-06 | System for managing small sum bond of a member store using of a mobil phone and method of the same |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020150062949A KR101760922B1 (en) | 2015-05-06 | 2015-05-06 | System for managing small sum bond of a member store using of a mobil phone and method of the same |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| KR20160131167A KR20160131167A (en) | 2016-11-16 |
| KR101760922B1 true KR101760922B1 (en) | 2017-07-24 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020150062949A KR101760922B1 (en) | 2015-05-06 | 2015-05-06 | System for managing small sum bond of a member store using of a mobil phone and method of the same |
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| Country | Link |
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| KR (1) | KR101760922B1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR102517832B1 (en) | 2022-12-18 | 2023-04-03 | 백용수 | method and device for managing nonperforming loans |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019235665A1 (en) * | 2018-06-08 | 2019-12-12 | Choi Dongmin | Transaction method for genuine currency |
| KR102160680B1 (en) * | 2018-10-16 | 2020-09-29 | 주식회사 헬로핀테크 | Card sales win-win managing and calculating method for small business owners |
| KR102160676B1 (en) * | 2018-10-16 | 2020-09-29 | 주식회사 헬로핀테크 | Card sales win-win managing and calculating system for small business owners |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR102517832B1 (en) | 2022-12-18 | 2023-04-03 | 백용수 | method and device for managing nonperforming loans |
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| Publication number | Publication date |
|---|---|
| KR20160131167A (en) | 2016-11-16 |
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