KR20030054225A - Installment/loan system and method linked directly - Google Patents

Abstract

PURPOSE: A system for an installment deposit/loan using a commodity purchase interest and a method thereof are provided to improve a cash rotating rate of an enterprise and execute a planned investment reflected by a consumption pattern by enabling unspecified users who deposit money by installments to pay a price of a specific commodity as installment deposit, supplying a large quantity reduction money of the price as an interest of the installment deposit, and transferring the amount allocated per month of the user to a brand enterprise immediately. CONSTITUTION: Terminals(A1-An) of users who deposit money by installments include a web browser for reading information with respect to a plurality of commodity purchase installment deposits registered by a brand enterprise on a screen and selecting one commodity purchase installment deposit and include a communication module for transmitting/receiving data. Terminals(B1-Bn) of the brand enterprise register purchase installment deposits with respect to each commodity for reading information through the medium of the terminals(A1-An), include a web browser for checking a transfer per month, and include a communication module for transmitting/receiving data. A commodity purchase installment deposit/loan server registers installment deposit information supplied in the brand enterprise, transfers corresponding money allocated per month to the brand enterprise, and manages accounts with respect to the installment deposit of each user.

Description

Savings / loan system using product purchase rate and method thereof {INSTALLMENT / LOAN SYSTEM AND METHOD LINKED DIRECTLY}

The present invention relates to a savings / lending system and method using the product purchase interest rate, more specifically to the unspecified multiple depositors, the brand company or the bank to pay the price for a particular product, Savings / loaning system using product purchasing interest rate that provides high cut amount as interest rate of interest and transfers depositor's monthly payment to brand company immediately to improve company's cash turnover and make planned investment reflecting consumption pattern And to a method thereof.

As is well known, in the case of savings products provided by various banks, the interest rates for savings are provided to each bank by a slight difference, reflecting the market interest rate. It is used as a means.

However, in recent years, interest rates of various banking products including savings are extremely low, for example, less than 5%, and the general public has failed to realize re-taking through such interest rates. In the age of the lowest interest rate, funds acquired through savings products are not properly managed, so the interest rate allocated to the general public is almost fixedly low.

In addition, ordinary people may purchase certain expensive items or use savings for coma costs.In such cases, the depositors pay taxes on the small interest rates obtained through the savings, and then purchase certain goods again. In this case, there is a problem in that a specific item already includes VAT, so that a double tax burden is applied.

On the other hand, even in the case of very low interest rates, companies have to pay high interest loan interest in order to lend corporate operation funds from banks, and even in this case, a large number of documents must be prepared for loans from banks. In addition, even when all the documents are prepared, there is a problem in that the loan can be received only after passing a separate loan examination.

Therefore, it is urgent to develop a product that maximizes the profits of the company and the depositor by making the direct connection between the company and the beneficiary to minimize the distribution of the banknotes to the funds, and the banknotes to take a separate benefit in terms of management. to be.

In particular, due to the recent development of information and communication technology, the development of information providing technology that provides information on various fields in real time to a plurality of subscribers through at least one host server through a remote data communication network has been developed. And it may be desirable to make a real-time search for interest rate information on the product.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-described circumstances of the prior art, and allows a brand company or a bank to pay a specific commodity for a specific commodity in a method of saving money to an unspecified number of donors, and a high reduction amount of the money therefor It provides a savings / loaning system and method using a commodity purchasing interest rate that provides the interest rate, and transfers the depositor's monthly payment to the brand company immediately to improve the company's cash turnover and enable the planned investment reflecting the consumption pattern. There is a purpose.

Another object of the present invention is to allow the depositor to transfer the savings of the purchase of the company of the brand company to the third party, regardless of the number of payments, and the savings / loan system and transfers that can be transferred by using the transfer auction or reverse auction In providing a method.

Another object of the present invention is to allow a plurality of depositors to make a deposit to a particular single product to allow the depositor to sell the product purchase deposits jointly before the expiration of the deposit or to allow a specific person among the depositors to be transferred. A system and method are provided.

It is another object of the present invention to provide a depositor / loan system and method for providing a savings rate differently by providing a depositor to subscribe to a specific bank saving product and a specific brand of product purchase savings in a package.

It is another object of the present invention to provide a savings / loan system and method for allowing a depositor to pay all or part of a monthly payment deposited by a creditor.

It is another object of the present invention to provide a savings / loan system and method for allowing a product to be paid after the conditions are met, instead of providing more interest rates for the product purchase savings given certain conditions as required by the brand. Is in.

1 is a schematic diagram showing a schematic configuration of a savings / loan system using a product purchase interest rate according to an embodiment of the present invention,

Figure 2 is a block diagram showing the configuration of the savings / loan system using the product purchase rate according to an embodiment of the present invention,

Figure 3 is a block diagram showing the configuration of the savings / loan server using the product purchase interest rate according to an embodiment of the present invention,

4 is a block diagram illustrating a schematic function of a savings / loan system using a product purchase rate according to an embodiment of the present invention;

5 is a diagram showing a database configuration of the savings / loan server using the product purchase rate according to an embodiment of the present invention,

6 is a view showing a joint purchase through the savings / loan system using the product purchase interest rate according to an embodiment of the present invention,

7 is a view showing a sale state of a product purchase reserve according to an embodiment of the present invention;

8 is a block diagram showing the configuration of a savings / loan system using a product purchase rate according to another embodiment of the present invention,

9 is a view showing a package product provided by the savings / loan system using the product purchase interest rate according to an embodiment of the present invention,

10 is a view showing a credit limit adjustment state for the brand company of the savings / loan system using the product purchase interest rate according to an embodiment of the present invention,

11 is a view showing an optional product registered through a savings / loan system using the product purchase interest rate according to an embodiment of the present invention,

12 is a flow chart showing a signal flow of the savings / loan system using the merchandise purchasing interest rate according to an embodiment of the present invention,

13 is a flowchart illustrating a process of transferring a product purchase deposit through a savings / loan system using a product purchase rate according to an embodiment of the present invention;

14 is a flowchart illustrating a process of jointly purchasing a product purchase deposit through a savings / loan system using a product purchase rate according to an embodiment of the present invention;

FIG. 15 is a flowchart illustrating a process in which a depositor selects the number of months of a deposit product of a deposit / loan system using a product purchase rate according to an embodiment of the present invention;

16 is a flowchart illustrating a selection and payment process for a packaged product of a savings / loan system using a product purchase rate according to an embodiment of the present invention;

17 is a flowchart illustrating a process of setting and applying a credit limit for each brand company in a savings / loan system using a product purchase rate according to an embodiment of the present invention;

18 is a flowchart illustrating an application process of an optional product of a savings / loaning system using a product purchase rate according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: savings terminal, B1-Bn: brand company terminal,

BS1 to BSn: Bank server, GPILS: Merchandise savings / loaning server.

In order to achieve the above object, according to a preferred embodiment of the present invention, a web browser is embedded therein to view information on a plurality of product purchase deposits registered by a brand company, and to make a selection thereof. A depositor terminal having a communication module for transmitting and receiving; A brand with a built-in web browser and a communication module for transmitting / receiving data for registering purchase deposits for each commodity so that information can be read through the depositor's terminal and performing the check when the monthly payment is transferred. Four terminals; Register the product purchase deposit information provided by the brand company by intermediary between the brand company terminal and the depositor terminal, and transfers the monthly payment to the brand company when the monthly payment is transferred according to the selection of the depositor, and accounts for each depositor's product purchase deposit Provided is a savings / loan system using a commodity purchasing interest rate, characterized in that consisting of a commodity purchasing savings / loaning server.

Preferably, the bank server for managing the savings account of the depositor has an account for a separate product purchase deposit to transfer the monthly payment to the corresponding brand company when the monthly payment is deposited, and the bank server for setting the credit limit according to the credit rating of the brand company Provided is a savings / loan system using a commodity purchasing interest rate, characterized in that the configuration further includes.

More preferably, the product purchase deposit / loan server and a communication module for transmitting and receiving a variety of data to the depositor terminal, the brand company terminal, the bank server and converts into data that can be processed in a subsequent circuit; A depositor information management unit for managing personal information of a plurality of depositors; Brand company information management unit for managing information of a plurality of brand companies; A depositor account management unit for managing a product purchase account for each depositor in association with the depositor information management unit; A joint purchase deposit management unit that manages joint purchase information and monthly payment information when multiple depositors make a joint purchase of a single product; A payment management unit that performs payment management for paying the monthly payment received by the depositor to a brand company; A product information management unit managing product information to which the purchase rate registered with the brand company is applied; A purchase rate information management unit managing purchase rate information for each product registered in the product information management unit; A deposit transfer / transfer management unit that manages transfer transfer information for a product purchase deposit; A depositor information DB for storing personal information of the depositor; A brand company information DB for storing brand company information; A savings account DB for storing savings information for each depositor; A joint purchase deposit DB for storing joint purchase information for a single product purchase deposit; A payment information DB for storing payment information of the payment amount for the brand company; A product DB for storing each product information registered by the brand company; A purchase rate information DB for each product for storing purchase rate information of each product to which the purchase rate is applied; Providing various information to manage direct financial transactions between the brand company and the depositor, manage the information, transfer the depositor's monthly payments to the brand company every month in connection with the bank server, and enable the joint purchaser and transfer of the depositor's deposits. Provided is a saving / loan system using a commodity purchasing interest rate, comprising a control unit for performing various data control and screen output control.

Preferably, the financial institution that can build the bank server is a savings / loan system using the product purchase rate, characterized in that it includes all the first to third financial sectors, such as insurance companies, credit vaults, including general banks This is provided.

On the other hand, the present invention in the savings / lending method of the savings / lending system using the product purchase interest rate for directly connecting financially with the brand company that performs the production and sale of a large number of products, in a state of commitment to provide products at maturity Registering the product by the brand company in order to provide a deposit for the purchase of the product to allow the monthly payment to be transferred; Registering purchase reserve interest rate information for each product for each product; Selecting, by the depositor, a specific product by searching for each product and its purchase rate; The depositor selecting a specific product and depositing a monthly payment therefor; Transferring the monthly payment immediately to the brand company through a financial institution; Determining whether the depositor's savings expiration date has arrived; Notifying the brand company when the expiration date has arrived so that the selected product can be provided to the corresponding depositor; Provided is a savings / loan method using a product purchase rate, wherein the brand company comprises a process of delivering a product to the depositor based on the corresponding information.

Preferably, the process of determining whether the depositor is willing to transfer the product purchase deposit; If there is a transfer intention, the depositor registering the transfer information of the deposit; Determining whether the conditions of the assignor and the assignee match; If the conditions of the assigner / transferee are met, the depositor transfers the deposit to the assignee; Provided is a savings / loaning method using a product purchase rate, which further comprises a process of changing and registering new depositor information for the savings according to the transfer information.

Preferably, the process of determining whether the application signal for the joint purchase registration for a single product deposit is authorized; If the application signal for the joint purchase request is authorized, registering information of the depositor's joint purchase depositors; When each co-buyer is recruited, each depositor divides and deposits a monthly payment for a specific product; Determining whether an expiration date of the depositor has been reached; When maturity arrives, there is provided a method for saving / loaning using a commodity purchasing interest rate, which further comprises a process of dividing and settlement of the corresponding commodity ownership according to the interest of each depositor.

Preferably, the process of providing a single package financial product by combining the product purchase deposit registered with the brand company and the product of the general financial institution in a package; A depositor viewing the package financial product and selecting a specific product; The depositor selecting a particular packaged product and depositing a monthly payment for it; Dividing the monthly payment deposited according to the ratio of the packaged product into the financial product and the product purchase deposit; According to the ratio, a part of the monthly payment is transferred to the financial product account of the financial institution, and the remaining part of the deposit / loan method using the product purchase interest rate, further comprising the step of immediately transferring to the brand company through the financial institution. This is provided.

Preferably, the process of setting a credit limit reflecting the credit rating of the brand company; The depositor selecting a specific product and depositing a monthly payment therefor; Transferring the remaining amount of the deposited monthly payment, except for a certain amount of deposit, to the brand company account according to the brand company creditworthiness; In case the expiration of the savings is reached, the brand providing the goods to the depositor; When the provision of the product is completed, the financial institution is provided with a deposit / loan method using the product purchase rate, characterized in that further comprising the process of paying the remaining product price to the brand company.

Preferably, the process of separately registering the product-specific purchase fund interest rate information for each product for the general product purchase deposit and the conditional product purchase deposit; Selecting, by the depositor, a specific product by searching for each product and its purchase rate; When the deposit has expired, when the product to which the depositor subscribes is a conditional product purchase deposit, the product purchase deposit / loan server GPILS determines whether the depositor's deposit meets the condition; Provided is a savings / loaning method using a commodity purchasing interest rate, characterized in that it further comprises a process of providing a product if the conditions are suitable.

Preferably, the conditional conditions of the conditional product purchase deposit is provided a method of deposit / loan using the product purchase interest rate, characterized in that the limit of the time of product provision or the monthly payment amount, the fixed deposit months.

Preferably, the depositor is provided with a savings / loan method using a commodity purchasing interest rate, characterized in that it provides a spot such as raw materials in place of the cash payment for the monthly payment and receive the finished product from the brand company.

More preferably, the depositor's product purchase savings is provided by the deposit / loan method using the commodity purchasing interest rate, characterized in that the transfer is possible in accordance with the selection of the depositor when the expiration.

In addition, the split transfer of the depositor's product purchase deposit is a savings / loan using the product purchase interest rate, characterized in that the red value divided gift certificate or the electronic gift certificate divided into a predetermined amount, the account data name of the divided amount A method is provided.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of a savings / loan system using the product purchase rate according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase rate according to an embodiment of the present invention provides the depositor with the high interest rate product purchase savings provided by the company in connection with various financial institutions. That is, the savings / loan system using the product purchase rate according to the present invention directly connects the company and the redeemer, so that the depositor's savings and the lending of the financial institution to the enterprise can be made by the minimum limit of the financial institution.

Accordingly, the various brand companies 12 manufacturing / selling a plurality of products register in advance the product purchase rate that can be provided for each product, and allow the depositor 14 to selectively register the saving product therefor. .

In addition, the company's commodity price is provided from the deposit / loan system 2 using the commodity purchasing interest rate at the time of depositing the monthly payment deposited by the depositor 14, and the time when the depositor 14 is provided with the product It is a poem of maturity.

Therefore, the company can infer the consumption range of a specific product, so that it is possible to plan capital investment in advance, to secure the capital before the product is manufactured and sold, and in the case of the depositor 14, which is much lower than the market discount rate. If you can purchase goods with the amount, especially if you are saving money to buy expensive goods, you must pay double the tax on the savings interest income and VAT due to the purchase of goods, but the present invention only pays VAT. .

To this end, a plurality of the brand company 12 registers a different product purchase rate for each product owned in the DB of the savings / loan system (2) using the product purchase rate.

In this case, the financial institution 16 may or may not perform the setting of the guarantee of each product provided by the brand company 12 or the credit limit of each brand company 12. In the case of a product provided with a protection device for the red deposit amount of the depositor 14, a product purchase rate may be relatively lower than that of the product.

Therefore, the depositor selects a particular product using the deposit / loan system 2 using the product purchase rate, and pays the product purchase deposit for it every month to receive the product when the expiration arrives.

At this time, the maturity is the time when the total amount of money excluding the product purchase rate is deposited from the consumer price of the product selected by the depositor 14, and is the time when the first accumulated savings month has elapsed.

In addition, the brand company 12 may provide a higher rate of purchase of goods in a state in which a specific option is additionally issued to the unspecified number of the depositors 14, and the option refers to the depositor ( This may be the case if 14) deposits the full savings in a single time period, or if the product cannot be provided before a certain period of time has arrived.

In addition, the deposit / loan system (2) using the product purchase interest rate according to the present invention can transfer the product purchase deposits to the third party before the depositor 14 expires, which uses an auction or reverse auction As the sale is made for the product purchase reserve, the auction algorithm is built in the saving / loan system 2 using the product purchase interest rate to process the auction participants in real time. In addition, the information on the product purchase deposit is registered in detail for viewing.

Preferably, the various product purchase reserves provided through the saving / loan system 2 using the product purchase interest rate according to the present invention may be paid by a plurality of depositors 14 for a single deposit. As in the form of a joint purchase, a plurality of depositors 14 deposit a monthly payment in the form of a "country" in the form of a "country" for a specific purchase of goods and jointly exercise the right to it. At this time, all arrangements for the exercise of the rights or the split of the shares are made by the participating depositor 14 separately.

In addition, in the savings / loan system (2) using the product purchasing interest rate according to the present invention, a single packaged product by combining the financial products provided from a plurality of financial institutions 16 and the product purchase deposits provided by the brand company 12 It is also possible to provide.

In this case, also provides a packaged product for the convenience of the depositor 14, when the specific depositor 14 wants to subscribe to the general financial product and the product purchase deposit provided by the brand company 12 at the same time purchase the product The savings / loaning system 2 using interest rates divides and transfers the amount deposited based on the information input by the depositor 14 according to the monthly payment of each product.

More preferably, the savings / loaning system using the product purchase rate according to the present invention is a concept of a new savings product, and thus may be implemented in both online and offline.

More preferably, the savings / loan system using the product purchase rate according to the present invention is a direct deposit method for each of the depositor 14 and the brand company 12 through an independent server without being linked to a separate financial institution. You can also connect.

On the other hand, the financial institution includes various first- and third-party financial institutions such as insurance companies, credit banks, etc., including general commercial banks, and various organizations for distributing funds without being registered as financial institutions. In advance, it is included.

Figure 2 is a block diagram showing the configuration of the savings / loan system using the product purchase rate according to an embodiment of the present invention.

Referring to this, the deposit / loan system using the merchandise purchasing interest rate according to the present invention displays a variety of information provided from the deposit / loan system with a built-in communication module such as a modem and a web browser to enable various data communication therein. A plurality of depositor terminals A1 to An and brand company terminals B1 to Bn that can be output are provided.

In addition, the deposit / loan system using the product purchase interest rate according to the present invention selectively grants a credit limit for various product purchase deposits provided by each brand company, and manages the goods of the brand company that set the credit limit from the depositor A bank server (BS) is provided to transfer the deposited monthly payments to each brand company.

On the other hand, in the savings / loan system using the product purchase interest rate according to the present invention registers each product information and interest rate information for the product purchase deposits provided from the brand company, build a DB according to the selection signal of the depositor terminal every month A deposit purchase loan / loan server (GPILS) is provided to transfer the deposited monthly payment to each brand company and allow the bank to manage the brand company in accordance with the credit limit set by the bank in connection with the bank server (BS).

In addition, the product purchase reserve / loan server (GPILS) has a built-in auction algorithm to allow the depositor to transfer / transfer each of the product purchase deposits, and joint purchase to enable the joint purchase for a specific product purchase deposits An algorithm is also provided.

Preferably, the brand company sets a specific option in the product purchase deposit / loan server (GPILS), and posts the option information so that the beneficiary can subscribe to the product purchase deposit in which the option is set upon consent of the beneficiary. You can do it.

Figure 3 is a block diagram showing the configuration of the savings / loan server using the product purchase rate according to an embodiment of the present invention.

Referring to this, the product purchase deposit / loan server (GPILS) is a communication module, a depositor information management unit, brand company information management unit, a depositor account management unit, co-purchase deposit management unit, payment management unit, product information management unit, purchase therein It consists of interest rate information management unit, savings transfer / transfer management unit, depositor information DB, brand company information DB, savings account DB, joint purchase deposit DB, payment information DB, product DB, purchase rate information DB for each product, control unit.

More specifically, reference numeral 20 denotes for transmitting and receiving various data to the depositor terminals A1 to An, the brand company terminals B1 to Bn, and the bank server BS to convert the data into data that can be processed in subsequent circuits. Indicates a communication module.

In addition, reference numeral 22 denotes a depositor information management unit for managing personal information of a plurality of depositors, and reference numeral 24 denotes a brand company information management unit that manages information of a plurality of brand companies.

Meanwhile, reference numeral 26 denotes an account holder for each depositor for managing a product purchase account for each depositor linked to the depositor information management unit 22, and reference numeral 28 denotes when multiple depositors co-purchase a single product. A joint purchase deposit management section that manages joint purchase information and monthly payment information therefor.

Reference numeral 30 denotes a payment management unit that manages payment for payment processing for the monthly payment received by the depositor to the brand company, and reference numeral 32 denotes a product information management unit that manages product information to which the purchase rate registered by the brand company is applied. .

Also, reference numeral 34 denotes a purchase interest rate information management unit that manages purchase interest rate information for each product registered in the product information management unit 32, and reference numeral 36 denotes a reserve transfer / acquisition that manages transfer transfer information for a product purchase reserve. Represents management.

Reference numeral 38a denotes a depositor information DB for storing personal information of the depositor, reference numeral 38b indicates a brand company information DB for storing the brand company information, and reference numeral 38c denotes a savings account for storing deposit information for each depositor. DB, and reference numeral 38d denotes a joint purchase deposit DB that stores joint purchase information for a single product purchase deposit.

Reference numeral 38e denotes a payment information DB for storing payment information of the deposit amount for the brand company, reference numeral 38f denotes a product DB for storing each product information registered for the brand company, and reference numeral 38g denotes a purchase interest rate. Shows the interest rate DB of each product for storing the interest rate information of each applied product.

On the other hand, reference numeral 40 provides various information for direct financial transactions between the brand company and the depositor, manages the information, transfers the depositor's monthly payments to the brand company in conjunction with the bank server every month, The control part which performs various data control and screen output control so that conveyance with respect to transfer is possible.

4 is a block diagram illustrating a schematic function of a savings / loaning system using a product purchase rate according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase interest rate according to the present invention through the purchaser / loan server (GPILS) between the depositor 14 and the brand company 12, the brand company ( According to the product purchase rate for various products provided by 12), each depositor 14 may selectively join the savings product.

That is, the savings / loan system using the product purchase rate according to the present invention provides a new and high interest rate to the depositor 14 on the basis of the minimum limit in the financial transaction between the depositor 14 and the brand company 12. With the savings product to be made, the brand company 12 enables the secured funds and the prediction of the consumption pattern before the product sale.

In addition, the deposit / loan system using the product purchase rate may be set in connection with the bank server (BS) to set the credit limit according to the credit rating of the brand company 12 in order to protect the depositor, the purchase rate set the credit limit In the case of a depositor 14 who has subscribed to the product, the reserve may be compensated for a predetermined amount.

FIG. 5 is a diagram illustrating a database configuration of a savings / loaning server using a product purchase rate according to an embodiment of the present invention.

Referring to this, the deposit / loan server (GPILS) using the product purchase rate registers and manages various data between the depositor 14 and the brand company 12. A representative database is shown in FIG. 5. As shown in FIG. 2, the product 42 is constructed by dividing the product-specific data 42 registered by the brand company 12 and the detailed data 44 output when the specific product is selected from the product-specific data.

In this case, the product-specific data 42 is classified into a consumer price, a product purchase rate, and a payment amount for each product provided by the corresponding brand company 12, and the consumer price refers to a general market selling price. Is the interest rate provided to the depositor 14 who has subscribed to the product purchase reserve, and the amount excluding the product purchase interest rate from the consumer price is the total payment amount that the depositor 14 will pay.

In addition, when the depositor 14 selects a particular product and selects the number of months of payment, the monthly payment of the product purchase deposit is output. For example, when the company A refrigerator is selected, the purchase price of the product at the consumer price (1 million won) ( It is assumed that the amount of payments excluding 17%) is 680,000 won, and the monthly payment is output to 226,000 won when the depositor 14 selects three months.

6 is a view showing a joint purchase through the savings / loan system using the product purchase rate according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase interest rate according to the present invention can be used to jointly fund a plurality of depositors 14 for a specific product to exercise its ownership jointly due to maturity or city transfer, To this end, a specific depositor 14 may select a single product and recruit a joint purchase depositor for that product.

In this case, the agreement standard data is provided to make a separate equity agreement between the joint purchase depositors 14, and when the agreement is agreed, the agreement data 52 for the joint purchase is provided by the GPILS. Manage it.

7 is a view showing a sale state of the product purchase deposit according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase interest rate according to the present invention, while the depositor 14 selects a specific product and pays the savings every month, the deposit can be transferred to another person before expiration. In this case, the transfer information in which detailed information on the depositor to which the corresponding depositor subscribes is posted is output, and it can be sold by auction and reverse auction, and the sales data 60 for the product purchase reserve is shown in FIG. 7. As it is.

That is, the sales data 60 for the product purchase deposit is posted therein, the member number 62 is posted therein, the product information 64 that the depositor has previously selected and deposited the monthly payment, and the product purchase deposit for the product. The total payment amount information (66), the remaining payment amount information (68), the purchase interest rate information (70) provided by the brand for the product and the selection button for outputting the auction progress information for the product in a separate pop-up window ( 72) is posted.

In addition, the sales data 60 for the product purchase reserve may be searched for each product and purchase rate and output after recombination.

Therefore, the unspecified multiple depositors 14 have the highest purchase interest rate when the purchase of the corresponding product is necessary after searching for a specific product, or output the auction information of the corresponding product to participate in the auction when a product of a desired brand company is auctioned. Can be.

In this case, the commodity depositor, the owner of the commodity, may add a separate additional amount to the total payment and present it at the lower auction price. Can be.

In addition, in the case of a depositor who has transferred the savings, regardless of the purchase price, only the remaining payment amount (for example, △△ 10,000 won for 6 months) must be paid to receive the product from the brand company.

8 is a block diagram showing the configuration of a savings / loan system using a product purchase rate according to another embodiment of the present invention.

Referring to this, the deposit / loan system using the merchandise purchasing interest rate according to the present invention displays a variety of information provided from the deposit / loan system with a built-in communication module such as a modem and a web browser to enable various data communication therein. A plurality of depositor terminals A1 to An and brand company terminals B1 to Bn that can be output are provided.

In addition, the deposit / loan system using the product purchase interest rate according to the present invention selectively grants a credit limit for various product purchase deposits provided by each brand company, and manages the goods of the brand company that set the credit limit from the depositor A plurality of bank servers (BS) are provided to transfer the deposited monthly payments to each brand company.

In this case, each bank having a plurality of bank servers (BS) provides a savings product applied to the product purchase rate in agreement with the brand company, and by providing a separate additional interest rate to the depositor 14 for each bank It is desirable to encourage savings.

On the other hand, in the savings / loan system using the product purchase interest rate according to the present invention registers each product information and interest rate information for the product purchase deposits provided from the brand company, build a DB according to the selection signal of the depositor terminal every month A GPILS is provided to transfer the monthly payments to each brand company and allow the bank to manage the brand company in accordance with the credit limit set by the bank in connection with the plurality of bank servers (BS). do.

In this case, since the bank server (BS) manages a plurality of brand companies for each bank separately, if the bank that manages excellent brand companies, the income of fees, etc. will increase in proportion to the bankruptcy of each brand company. Bank creditworthiness is affected by the bankruptcy of the reserve. Therefore, each bank separately manages various products and various brand companies and manages the credits of the acquired brand companies separately.

In addition, the product purchase reserve / loan server (GPILS) has a built-in auction algorithm to allow the depositor to transfer / transfer each of the product purchase deposits, and joint purchase to enable the joint purchase for a specific product purchase deposits An algorithm is also provided.

Preferably, the brand company sets a specific option in the product purchase deposit / loan server (GPILS), and posts the option information so that the beneficiary can subscribe to the product purchase deposit in which the option is set upon consent of the beneficiary. You can do it.

9 is a view showing a package product provided by the savings / loan system using the product purchase rate according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase interest rate according to the present invention, each banking product 74, such as savings and trust products provided by a specific bank through the product purchase deposit / loan server (GPILS) and, The brand's product purchase deposit 76 may be provided as a single packaged product.

That is, in the case of the packaged product provided by the product purchase deposit / loan server GPILS, the ratio of dividing into each bank product 74 and the product purchase deposit 76 of a specific company is preset or the divider is divided in advance. After the setting, the depositor 14 deposits a monthly payment so that the funds are stored or transferred to the brand company according to the ratio.

10 is a view showing a credit limit adjustment state for the brand company of the savings / loan system using the product purchase interest rate according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase interest rate according to the present invention can adjust and update the credit limit of each brand company (78, 80) through the product purchase deposit / loan server (GPILS) Bar, this is to adjust the credit limit of each brand company (78, 80) in managing the corresponding brand company (78, 80) for each bank in accordance with the credit rating of each brand company (78, 80).

According to the credit limit granted to each brand company (78, 80), the depositor's monthly payment can be provided differentially to the brand company (78, 80), for example, in the case of A company (78) Assuming high, the deposited monthly payment is fully transferred to Company A 78, and in the case of Company B, which has a relatively low credit rating, only 50% of the deposited monthly payment is deposited.

In this case, when the financial institution or the product purchase deposit / loan server (GPILS) guarantees the deposit of a separate depositor for the product purchase deposit provided by each brand company (78, 80), 50% of the monthly payment is financed. It becomes the risk guarantee amount of the institution or the said product purchase deposit / loan server (GPILS), and the ratio is adjustable.

FIG. 11 is a diagram illustrating an option product registered through a savings / loan system using a product purchase rate according to an embodiment of the present invention.

Referring to this, the savings / loan system using the product purchase interest rate according to the present invention through the product purchase deposit / loan server (GPILS) brand company 12 in a state in which a separate option is set in advance the product purchase deposits Can be provided.

That is, the brand company 12 may provide a general product purchase deposit (eg, purchase rate 17%; 82), and provide a conditional product purchase deposit (eg, purchase rate 20%; 84) in which a separate option is set. As described above, the conditional product purchase deposit 84 sets conditional options such as when the period of use is limited (86a) and when the deposit amount is fully charged (86b), and the deposit is subscribed according to the consent of the depositor 14. .

In this case, the brand 14 can be efficiently used for securing short-term funds or equipment investment. In particular, it is difficult to produce and sell goods immediately at the time of equipment investment. In some cases, the brand company 14 may perform a stable facility investment by providing an optional product such as a limited use period. Of course, in the case of a product purchase reserve with a conditional option set, a higher interest rate is applied as compared to a general product purchase reserve.

With reference to the accompanying drawings, the function and operation of the savings / loan system using the product purchase interest rate according to an embodiment of the present invention described above will be described in detail.

12 is a flowchart illustrating a signal flow of a deposit / loan system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 1: ST-1).

Then, the purchase savings interest rate information for each product for each product is registered (second step: ST-2).

Then, the depositor selects a specific product by searching each product and its purchase rate through the depositor terminals A1 to An (third step: ST-3).

When the depositor 14 selects a particular product and deposits a monthly payment for it (step 4: ST-4), the product purchase deposit / loan server GPILS immediately transfers the monthly payment through a financial institution. Transfer to yarn 12 (step 5: ST-5).

In this case, the merchandise purchase deposit / loan server GPILS determines whether the expiration date of the corresponding depositor has arrived (step 6: ST-6), and if the expiration has arrived, the selected product will be provided to the corresponding depositor. Notify the brand company so that it can

Then, the brand company delivers the product to the depositor based on the information (step 7: ST-7). If the depositor's savings are not due, the depositor will deposit a monthly payment until the expiration date.

FIG. 13 is a flowchart illustrating a process of transferring product purchase deposits through a deposit / loan system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 10: ST-10).

Then, the purchase savings interest rate information for each product for each product is registered (step 11: ST-11).

Then, the depositor selects a specific product by searching for each product and its purchase rate through the depositor terminals A1 to An (step 12: ST-12).

When the depositor 14 selects a particular product and deposits a monthly payment for it (step 13: ST-13), the product purchase deposit / loan server GPILS immediately transfers the monthly payment through a financial institution or the like. Transfer to thread 12 (step 14: ST-14).

At this time, the product purchase deposit / loan server (GPILS) determines whether the depositor is willing to transfer the product purchase deposit (step 15: ST-15), if there is a transfer will the depositor purchases the product The transfer information of the savings is registered in the savings / loaning server (GPILS) (step 16: ST-16).

The transfer procedure performed in the product purchase deposit / loan server (GPILS) is carried out through an auction or reverse auction (step 17: ST-17), and whether the conditions of the assigner and the assignee match. It is determined by the loan server GPILS (STEP 18: ST-18).

If the conditions of the transfer / acquisition are matched, the depositor transfers the savings to the assignor, and the information on the depositor is changed and registered in the product purchase deposit / loan server GPILS (step 19: ST-19).

In addition, the merchandise purchase deposit / loan server GPILS determines whether the expiration date of the corresponding depositor has arrived, and if the expiration has arrived, notifies the brand company so that the selected product can be provided to the corresponding depositor.

Then, the brand company delivers the goods to the depositor based on the information. If the depositor's savings are not due, the depositor will deposit the monthly payment until the expiration date (steps 20, 21, 22: ST-20, 21, 22).

14 is a flowchart illustrating a process of jointly purchasing a product purchase deposit through a savings / loan system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 30: ST-30).

Then, the purchase reserve interest rate information for each product for each product is registered (step 31: ST-31).

Then, the depositor selects a specific product by searching each product and its purchase rate through the depositor terminals A1 to An (step 32: ST-32).

In this case, the product purchase deposit / loan server GPILS determines whether the application signal for the joint purchase registration for the single product deposit is authorized (step 33: ST-33), and the application signal for the joint purchase request. If is approved, it is possible to register the information of the depositor's joint purchase depositor recruitment (step 34: ST-34).

When the co-buyers are recruited, each depositor 14 divides and deposits monthly payments for a specific product (step 35: ST-35), and the product purchase deposit / loan server (GPILS) provides a financial institution. The monthly payment is immediately transferred to the brand company 12 (step 36: ST-36).

The merchandise purchase deposit / loan server GPILS determines whether the expiration date of the corresponding depositor has arrived (step 37: ST-37). To be settled separately (step 38: ST-38).

If the product is to be transferred (step 39: ST-39), a specific assignee is selected (step 40: ST-40) to provide the product (step 41: ST-41). If a certain depositor wishes to be provided without transfer (step 42: ST-42), the settlement amount is transferred to the remaining depositors (step 43: ST-43).

If the purchaser does not wish to purchase a joint purchase, the depositor 14 selects a specific product and deposits a monthly payment for it (step 44: ST-44). The monthly payment is immediately transferred to the brand company 12 through an institution or the like (step 45: ST-45).

At this time, the merchandise purchase deposit / loan server (GPILS) determines whether the expiration date of the corresponding depositor has arrived (step 46: ST-46), if the expiration has arrived, the selected product will be provided to the corresponding depositor Notify the brand company so that it can

Then, the brand company delivers the goods to the depositor based on the information. If the depositor's savings are not due, the depositor will deposit a monthly payment until the expiration date.

FIG. 15 is a flowchart illustrating a process in which a depositor selects the number of months of a deposit product of a deposit / loan system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 50: ST-50).

Then, the purchase savings interest rate information for each product for each product is registered (step 51: ST-51).

Then, the depositor selects a specific product by searching each product and its purchase rate through the depositor terminals A1 to An (step 52: ST-52).

At this time, the depositor can select the number of months of payment for the product purchase deposit (step 53: ST-53), if the selection is made, the product purchase deposit / loan server (GPILS) automatically the monthly payment amount Is calculated and output (step 54: ST-54).

When the depositor 14 selects a particular product and deposits a monthly payment for it (step 55: ST-55), the product purchase deposit / loan server GPILS immediately transfers the monthly payment through a financial institution. Transfer to yarn 12 (step 56: ST-56).

The merchandise purchase deposit / loan server GPILS determines whether the expiration date of the corresponding depositor has arrived (step 57: ST-57), and if the expiration has arrived, the selected product will be provided to the corresponding depositor. Notify the brand company so that it can

Then, the brand company delivers the goods to the depositor based on the information (step 58: ST-58). If the depositor's savings are not due, the depositor will deposit a monthly payment until the expiration date.

FIG. 16 is a flowchart illustrating a selection and payment process of a package product of a saving / loan system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 60: ST-60).

Then, the purchase reserve interest rate information for each product for each product is registered (step 61: ST-61).

The product purchase deposit / loan server GPILS bundles a product purchase deposit registered by a brand company and a product of a general financial institution into a package to provide a single package financial product (step 62: ST-62).

The depositor browses the packaged financial product and selects a specific product (step 63: ST-63).

When the depositor 14 selects a particular packaged product and deposits a monthly payment for it (step 64: ST-64), the product purchase deposit / loan server GPILS deposits a monthly payment deposited according to the ratio of the packaged product. Are divided into parts, and some are transferred to financial products of financial institutions, and others are immediately transferred to the brand company 12 through financial institutions and the like.

In addition, the merchandise purchase deposit / loan server GPILS determines whether the expiration date of the corresponding depositor has arrived (step 65: ST-65), and if the expiration has arrived, the selected product will be provided to the corresponding depositor. Notify the brand company so that it can

Then, the brand company delivers the goods to the depositor based on the information (step 66: ST-66). In addition, the deposit amount of the bank product is paid to the depositor who stored the financial product (step 67: ST-67).

If the depositor's savings are not due, the depositor will deposit a monthly payment until the expiration date.

17 is a flowchart illustrating a process of setting and applying a credit limit for each brand company in a savings / loan system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 70: ST-70).

In this case, the financial company may set the credit limit reflecting the credit rating of the brand company 12, and may limit the registration or set the monthly payment payment at a predetermined ratio according to the credit limit (step 71: ST- 71).

Then, the purchase savings interest rate information for each product for each product is registered (step 72: ST-72).

Then, the depositor selects a specific product by searching each product and its purchase rate through the depositor terminals A1 to An (step 73: ST-73).

When the depositor 14 selects a particular product and deposits a monthly payment for it (step 74: ST-74), the product purchase deposit / loan server (GPILS) transfers the monthly payment to a corresponding ratio through a financial institution. Therefore, the transfer to the brand company 12 (step 75: ST-75).

In this case, the merchandise purchase deposit / loan server GPILS determines whether the expiration date of the corresponding depositor has arrived (step 76: ST-76), and if the expiration has arrived, the selected product will be provided to the corresponding depositor. Notify the brand company so that it can

Then, the brand company delivers the goods to the depositor based on the information (step 77: ST-77). If the depositor's savings are not due, the depositor will deposit a monthly payment until the expiration date.

When the brand company's product offering is completed, the financial institution sends the remaining product price to the brand company (step 78: ST-78).

18 is a flowchart illustrating an application process of an optional product of a savings / loaning system using a product purchase rate according to an embodiment of the present invention.

First, the brand company 12 registers a corresponding product in the product purchase deposit / loan server GPILS to provide a product purchase deposit, which allows a monthly payment to be transferred in a state of committing to providing a product at the expiration date. Step 80: ST-80).

In addition, the purchase interest rate information for each product for each product is registered. At this time, the interest rate information for the general product purchase deposit and the conditional product purchase deposit are respectively registered (step 81: ST-81).

Then, the depositor selects a specific product by searching each product and its purchase rate through the depositor terminals A1 to An (step 82: ST-82).

When the depositor 14 selects a particular product and deposits a monthly payment for it (step 83: ST-83), the product purchase deposit / loan server GPILS immediately transfers the monthly payment through a financial institution. Transfer to yarn 12 (step 84: ST-84).

At this time, the merchandise purchase deposit / loan server (GPILS) determines whether the expiration date of the corresponding depositor has arrived (step 85: ST-85), if the expiration has arrived, the selected product will be provided to the corresponding depositor Notify the brand company so that it can

Even when the expiration has arrived, if the product to which the depositor has subscribed is a conditional product purchase deposit, the product purchase deposit / loan server GPILS determines whether the depositor's deposit meets the condition (step 86: ST -86) If the conditions are met, the product is provided (step 87: ST-87).

Preferably, the depositor using the product purchase interest rate according to an embodiment of the present invention and the method by using the method, the depositor provides a spot such as raw materials instead of cash deposits for monthly payments and received the finished product from the brand company It is also possible to build a savings / loan system in the B2B concept. In this case, the depositor becomes a company rather than an individual, and the depositor becomes more effective when the network for the distribution of the finished product is secured in advance.

More preferably, the depositor's product purchase deposit may be divided and transferred upon the expiration of the depositor's selection. In this case, assuming the interest rate of the product purchase deposit is 20%, if the total deposit amount is 10 million won, the depositor will make a payment of 8 million won, and at the time of maturity, the deposit amount for 10 million won will be divided and transferred to a predetermined amount. Will be.

The split transfer of the depositor's product purchase deposit may be performed by changing the savings amount gift certificate (for example, 10 million gift certificates 10) or the electronic voucher in which the savings amount is divided into a predetermined amount and the account data name of the split amount.

On the other hand, the deposit / loan system and the method using the product purchase interest rate according to an embodiment of the present invention is not limited to the above embodiments, but various modifications can be made within the scope without departing from the technical gist.

As described above, the savings / loan system and method using the product purchase interest rate according to the present invention allows the company and the depositor to be directly connected by saving and loan method, to secure high interest rates and easy liquidated funds and facility investment The production of plans and products is possible. In addition, the depositor may transfer his or her reserve purchases to a third party through auction or reverse auction, even before the expiration date, and the holders may jointly exercise their rights by jointly depositing monthly payments for a single product. have.

In addition, by depositing specific product purchase deposits and general bank products in the package to the depositor, the depositor's investment range is wider, for certain brand companies financial institutions or independent servers to guarantee a certain amount of the reserve amount, As a guarantee amount, it is possible to deposit a predetermined amount of monthly payments transferred to a brand company as a risk guarantee amount. On the other hand, brand companies can secure long-term facility funds by providing option product reserves for which various conditions are set. On the other hand, the depositor can create more value added because it is possible to introduce the B2B concept of providing goods in kind such as raw materials instead of cash deposits on monthly payments and receiving and distributing the finished product from the brand company.

Claims (14)

A depositor terminal having a web browser embedded therein for screen-viewing information on a plurality of product purchase deposits registered by a brand company and making a selection thereof, and a communication module for transmitting / receiving data; A brand with a built-in web browser and a communication module for transmitting / receiving data for registering purchase deposits for each commodity so that information can be read through the depositor's terminal and performing the check when the monthly payment is transferred. Four terminals; Register the product purchase deposit information provided by the brand company by intermediary between the brand company terminal and the depositor terminal, and transfers the monthly payment to the brand company when the monthly payment is transferred according to the selection of the depositor, and accounts for each depositor's product purchase deposit Savings / loan system using the product purchase interest rate, characterized in that consisting of a commodity purchase savings / loan server to manage. The method of claim 1, wherein the bank manages the savings account of the depositor and, when the monthly payment is deposited, holds an account for a separate product purchase deposit to transfer the monthly payment to the corresponding brand company, and sets a credit limit according to the credit rating of the brand company. Savings / loan system using the product purchase rate, characterized in that the bank server further comprises. The product purchase deposit / loan server of claim 1, further comprising: a communication module for transmitting and receiving various data to the depositor terminal, a brand company terminal, and a bank server and converting the data into data that can be processed in a subsequent circuit; A depositor information management unit for managing personal information of a plurality of depositors; Brand company information management unit for managing information of a plurality of brand companies; A depositor account management unit for managing a product purchase account for each depositor in association with the depositor information management unit; A joint purchase deposit management unit that manages joint purchase information and monthly payment information when multiple depositors make a joint purchase of a single product; A payment management unit that performs payment management for paying the monthly payment received by the depositor to a brand company; A product information management unit managing product information to which the purchase rate registered with the brand company is applied; A purchase rate information management unit managing purchase rate information for each product registered in the product information management unit; A deposit transfer / transfer management unit that manages transfer transfer information for a product purchase deposit; A depositor information DB for storing personal information of the depositor; A brand company information DB for storing brand company information; A savings account DB for storing savings information for each depositor; A joint purchase deposit DB for storing joint purchase information for a single product purchase deposit; A payment information DB for storing payment information of the payment amount for the brand company; A product DB for storing each product information registered by the brand company; A purchase rate information DB for each product for storing purchase rate information of each product to which the purchase rate is applied; Providing various information to manage direct financial transactions between the brand company and the depositor, manage the information, transfer the depositor's monthly payments to the brand company every month in connection with the bank server, and enable the joint purchaser and transfer of the depositor's deposits. Savings / loaning system using a product purchase rate, characterized in that consisting of a control unit for performing various data control and screen output control. According to claim 2, wherein the financial institution that can build the bank server, including the general bank, including the first bank and third financial sector, such as insurance companies, credit vaults, etc., savings using the interest rate of purchasing goods / Loan system. In the saving / loan method of the savings / loan system using the commodity purchasing interest rate for directly connecting financially with the brand company that makes and sells a large number of products, Registering the product by the brand company in order to provide a product purchase deposit, which allows a monthly payment to be transferred in a condition of providing a product at maturity; Registering purchase reserve interest rate information for each product for each product; Selecting, by the depositor, a specific product by searching for each product and its purchase rate; The depositor selecting a specific product and depositing a monthly payment therefor; Transferring the monthly payment immediately to the brand company through a financial institution; Determining whether the depositor's savings expiration date has arrived; Notifying the brand company when the expiration date has arrived so that the selected product can be provided to the corresponding depositor; Savings / loan method using the product purchase rate, characterized in that the brand made by the process of delivering the product to the depositor based on the information. The method of claim 5, further comprising: determining whether the depositor intends to transfer the product purchase deposit; If there is a transfer intention, the depositor registering the transfer information of the deposit; Determining whether the conditions of the assignor and the assignee match; If the conditions of the assigner / transferee are met, the depositor transfers the deposit to the assignee; The method of depositing / lending using the product purchase rate, characterized in that the process further comprises the process of changing the new depositor information for the savings in accordance with the transfer information. 6. The method of claim 5, further comprising: determining whether an application signal for a joint purchase registration for a single product deposit is authorized; If the application signal for the joint purchase request is authorized, registering information of the depositor's joint purchase depositors; When each co-buyer is recruited, each depositor divides and deposits a monthly payment for a specific product; Determining whether an expiration date of the depositor has been reached; If the maturity has arrived, savings / loan method using the commodity purchasing interest rate, characterized in that further comprising the process of splitting the product ownership according to the interest of each depositor. The method of claim 5, further comprising: providing a single packaged financial product by combining a product purchase deposit registered by a brand company and a product of a general financial institution in a package; A depositor viewing the package financial product and selecting a specific product; The depositor selecting a particular packaged product and depositing a monthly payment for it; Dividing the monthly payment deposited according to the ratio of the packaged product into the financial product and the product purchase deposit; According to the ratio, a part of the monthly payment is transferred to the financial product account of the financial institution, and the remaining part of the deposit / loan method using the product purchase interest rate, further comprising the step of immediately transferring to the brand company through the financial institution. . The method of claim 5, further comprising: a financial company setting a credit limit to reflect the credit rating of the brand company; The depositor selecting a specific product and depositing a monthly payment therefor; Transferring the remaining amount of the deposited monthly payment, except for a certain amount of deposit, to the brand company account according to the brand company creditworthiness; In case the expiration of the savings is reached, the brand providing the goods to the depositor; When the provision of the product is completed, the financial institution further comprises the process of paying the remaining product price to the brand company, the savings / loan method using the product purchase rate. 6. The method of claim 5, further comprising: separately registering the product savings interest rate information for each product for the general product purchase savings and the conditional product purchase savings respectively; Selecting, by the depositor, a specific product by searching for each product and its purchase rate; When the deposit has expired, when the product to which the depositor subscribes is a conditional product purchase deposit, the product purchase deposit / loan server GPILS determines whether the depositor's deposit meets the condition; Savings / loan method using the product purchasing interest rate, characterized in that further comprising the step of providing a product if the conditions are suitable. The method of claim 10, wherein the conditional condition of the conditional product purchase deposit is a limit of the time at which the product is provided or the monthly payment amount to be deposited, and a fixed savings month. The method of claim 5, wherein the depositor can provide goods in kind such as raw materials instead of cash deposits on monthly payments and receive a finished product from a brand company. [6] The method of claim 5, wherein the depositor's product purchase deposit can be divided and transferred according to the selection of the depositor at the expiration of the depositor. 14. The product purchase interest rate according to claim 13, wherein the divided transfer of the depositor's product purchase deposit consists of a portion-rate portion gift certificate or an electronic gift certificate in which the portion amount is divided into a predetermined amount, and an account data name of the portion amount. Savings / loans method used